Coalition, the world’s first Active Insurance provider designed to prevent digital risk before it strikes, today announced the new Coalition Active Cyber Policy, a reimagined United States surplus lines cyber policy with data-driven coverage innovations and comprehensive coverage to protect businesses against the ever-evolving digital risk landscape.

“With the launch of the Active Cyber Policy, Coalition is setting the standard for market-leading coverage that includes expanded protection against emerging digital threats and specific advantages for security-conscious policyholders,” said Shawn Ram, Coalition’s Chief Revenue Officer. “Active Insurance is built on the predication that proactive security measures significantly reduce the frequency and severity of claims – in fact, our data proves it. And now, brokers can offer improved policy terms that enhance coverage to clients who actively participate in their cyber risk management.”

With this new policy, Coalition has also added or enhanced several key coverages to address emerging risks and provide greater clarity and value to policyholders:

• Vanishing Retention: Policyholders who demonstrate active risk management and security awareness can see their retention discounted ultimately to zero with each claim-free year.

• Reduced Retention for Early Funds Transfer Fraud (FTF) Reporting: For the first time, clients receive lower FTF retentions when they report FTF incidents within 72 hours of the initial fraudulent transfer—encouraging prompt action with financial incentives.

• Affirmative Artificial Intelligence (AI) Coverage: Coverage for AI-related security events, including protection against deepfake-enabled FTF and AI-caused security failures, is clearly defined.

• Any One Claim Coverage: The full policy limit resets for each separate incident during the policy period, ensuring that clients maintain maximum protection regardless of prior incidents.

Coalition’s new Active Cyber Policy includes a simplified structure where 11 coverages previously provided by endorsement are now integrated as Insuring Agreements within the base policy, making coverage more transparent and easier to explain. The policy also has a clearer articulation of covered scenarios and triggers, with updated terminology that better reflects today’s cyber landscape.

Beginning April 15, 2025, all non-admitted new business and renewal quotes in the US will be issued on this new form. The new Active Cyber Policy is available for organizations with up to $5 billion in annual revenue and with up to $15 million in limits. Brokers can receive a quote in minutes through Coalition’s Broker Platform or email a completed application to submissions@coalitioninc.com.