Modern Cyber policies need to do more than cover losses—they need to actively prevent them. That’s the model Cyber Insurance brokers are starting to expect from their carriers.

Coalition combines coverage with hands-on support, making it easier for brokers to offer policies that do both. In our recent Cyber U session, ProWriters’ Zane Goldthorp spoke with Michael Carr, head of Strategic Partnerships at Coalition, to explain how this proactive model works in real life—and why brokers should care.

Below are three ways Coalition’s approach helps brokers deliver better client outcomes.

How Coalition Helps Cyber Insurance Brokers Deliver More Than Just Coverage

Coalition gives brokers tools that go beyond traditional coverage—from real-time fraud recovery to active risk monitoring and smarter policy design:

1. Clawbacks That Put Clients’ Money Back Where It Belongs

Coalition takes immediate action when fraud strikes. Its Claims and Incident Response teams jump in quickly, activating in-house forensic experts and leveraging direct ties to banks and law enforcement to freeze transactions before the money disappears. That speed has helped Coalition recover more than $101 million in stolen funds for policyholders.

Carr put it simply: “Time is of the essence.”

Think of it like catching a pickpocket before they slip into a crowded subway. Coalition acts while the money is still within reach.

In 2023, business email compromise (BEC) caused $2.9 billion in reported losses, according to the FBI’s Internet Crime Report. These scams often rely on nothing more than a spoofed email and a well-timed request.

That number highlights why real-time recovery matters for a Cyber Liability Insurance broker. Once funds move, businesses face a tight window to recover them. Coalition’s integrated response process equips clients with a real advantage—responding within hours and coordinating directly with financial institutions to recover funds before criminals can move them again.

2. Active Insurance That Cuts Claim Frequency

Coalition’s tech-first model, known as Active Insurance, brings cyber security and insurance under one roof. Their continuous scanning tools assess vulnerabilities and alert clients to problems before attackers can exploit them.

Carr broke this down into two components:

• Assess: Coalition scans each client’s network before and after binding coverage, identifying high-risk issues through their Coalition Control platform. They’ll flag critical threats and require remediation before issuing a policy.
  
• Protect: Once the policy starts, Coalition keeps monitoring. Their system pushes real-time alerts when configurations change, software vulnerabilities emerge, or new risks appear. These alerts allow clients to fix problems early, without affecting their coverage.
  

This constant visibility produces measurable results. Coalition reported a 73% lower claims frequency than the industry average in 2023. By 2024, they lowered their own claim frequency by another 7%.

For a Cyber Insurance broker, this outcome helps show clients exactly why Cyber Insurance is worth it—not just for recovery, but for active protection that reduces incidents before they escalate.

3. A Smarter Surplus Lines Form That Reduces Friction

Coalition recently rolled out a redesigned surplus lines policy. The goal? Simplify endorsements, reduce confusion, and create more opportunities for brokers to position the policy clearly.

Some standout changes:

• Reduced retention for funds transfer fraud reported within 72 hours, increasing clawback success.
  
• Vanishing retention for small businesses that stay claim-free and engage with risk management tools.
  
• Retroactive eligibility to April 2024 for businesses already meeting security standards.
  
• Per-incident limits for small-business claims, avoiding erosion of policy aggregates.
  

These features reflect Coalition’s broader mission to build incentives for risk reduction and make policies easier to understand and sell.

For brokers selling business Cyber Insurance, having a carrier that simplifies both underwriting and policy structure removes a major barrier to closing deals.

What This Means for Today’s Cyber Insurance Brokers

Coalition equips every Cyber Insurance broker with more than quotes and claims support. Their entire model focuses on risk prevention, live response, and continuous improvement—all backed by strong data.

Their clawback success answers the rising threat of invoice fraud. Their Active Insurance model reduces breach rates. And their updated surplus lines form gives brokers a product that’s easier to explain and customize.

Clients don’t want to go through a ransomware attack, even if their policy covers it. And smart brokers don’t want to explain why something wasn’t covered after the fact. Coalition helps you avoid both scenarios.

Offer Coalition Coverage Through ProWriters

Looking to give your clients proactive risk management, fraud recovery, and simplified policy language?

Work with ProWriters to access Coalition and other top carriers. If you’re a Cyber Insurance broker who wants to build long-term client trust, this solution makes your job easier and your clients safer. Schedule a call today to learn more.