Built for today’s fast-evolving digital threat landscape, the policy introduces innovative, data-driven coverage enhancements and expanded protections designed to empower businesses in actively managing their cyber risk.
“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, Chief Revenue Officer at Coalition. “Active Insurance is built on the belief that proactive security measures significantly reduce the frequency and severity of claims — and our data proves it. Now, brokers can offer improved policy terms that reward clients who actively engage in cyber risk management.”
The new policy includes several new or enhanced coverages tailored to the realities of modern cyber risk. These include Vanishing Retention, where policyholders who demonstrate strong cyber hygiene and remain claim-free can receive a discounted retention, ultimately reduced to zero for each consecutive claim-free year. Reduced Retention for Early Funds Transfer Fraud (FTF) Reporting offers lower FTF retentions when incidents are reported within 72 hours of the initial fraudulent transfer, encouraging swift response with financial incentives. Affirmative Artificial Intelligence (AI) Coverage provides clear protection for AI-related security events, including deepfake-enabled FTF and security failures caused by AI tools. Any One Claim Coverage ensures that full policy limits reset for each separate incident during the policy term, allowing policyholders to maintain maximum protection even after a claim.
A key feature of the Active Cyber Policy is its simplified structure. Eleven previously endorsement-only coverages are now seamlessly embedded within the base policy as Insuring Agreements, streamlining coverage explanation and improving transparency. In addition, the policy language has been updated to include clearer articulation of scenarios and coverage triggers, reflecting today’s cyber realities with modernized terminology.
Beginning April 15, 2025, all non-admitted new business and renewal quotes in the U.S. will be issued under this new policy form. The Active Cyber Policy is available to organizations with up to $5 billion in annual revenue and up to $15 million in coverage limits. With this launch, Coalition continues to push the boundaries of what cyber insurance can be — not just a financial safety net, but an active partner in helping businesses prevent loss before it happens.
