Cyber Insurance

A neutral, decision-framework comparison of four cyber-insurance carriers — Coalition and At-Bay (technology-led "active" insurtechs) versus AIG CyberEdge and Chubb (large traditional carriers). How they differ on underwriting and active monitoring, incident-response panels, ransomware and cyber-extortion coverage, pricing drivers, and healthcare-specific considerations. No invented prices or sublimits — a framework to take to a broker, plus the exact clauses and questions to verify on a quote. Not insurance advice; confirm current terms with a licensed broker.

A cyberattack rarely bankrupts a company via the ransom itself — it is the cascade: operations freeze, customers flee, remediation and notification costs pile up, lawsuits and regulators arrive, and lenders pull out, all at once. Here is a cited analysis of real companies that filed Chapter 11 or collapsed after a breach — AMCA, National Public Data, KNP Logistics, Stoli, ENGlobal — the pattern that killed them, who is most at risk, and what actually prevents it.

Comparing cyber insurers is hard because pricing is quote-specific and coverage is full of fine print. The dimensions that actually differentiate carriers, and how to run a fair comparison.

Coalition and At-Bay are both tech-driven active cyber insurers that bundle scanning and monitoring with cover. Coverage, appetite and pricing vary by quote.

Neither is better for everyone: Coalition and Corvus both pair cyber cover with security data, scanning and risk engineering. Compare them on 5 dimensions.

Coalition and Resilience are both tech-driven active cyber insurers that pair cover with monitoring and risk engineering, so compare coverage, claims, price.

Is Coalition cheaper than AIG CyberEdge? It depends: pricing is quote-specific to your industry, size, controls and claims. Compare models, IR and claims.

Neither wins: ransomware terms, claims and price are quote-specific. Chubb is an established insurer; Coalition bundles security monitoring with cover.

Data breach cost is more than the ransom or fine. A breakdown of the direct and indirect costs, what moves the number, and how to estimate yours.

A cyber insurance comparison built entirely on cited primary sources — NAIC, Aon, Marsh, NetDiligence and Coalition’s own claims data — instead of the invented per-control discount formulas most comparison articles repeat without a source.