Coalition vs 
Counterpart: How Do They Compare for Business Insurance?
Coalition describes agent or broker-assisted application; Counterpart describes quote entry whose binding route remains unclear. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.
Introduction to the Coalition vs Counterpart Comparison
Coalition and Counterpart describe different quote routes: agent or broker-assisted application and quote entry whose binding route remains unclear. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 13 24
Buyer Takeaways for Coalition vs Counterpart
Coalition Buyer Takeaways
- Technology companies can combine cyber and Tech E&O in one program. 1Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
- Policyholders get cyber monitoring, alerts and remediation guidance through Control. 8Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Counterpart Buyer Takeaways
- Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. 19,27,28,29,30,31,32,33,34,35Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.
- Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. 25Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.
Coalition vs Counterpart Coverage Lines Compared
| Coverage | Coalition | Counterpart |
|---|---|---|
| Crime | Listed 5Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. | Listed 31Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. |
| Cyber liability | Listed 7Coalition offers cyber insurance. | Not listed |
| Directors and officers | Listed 5Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. | Listed 27,28Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. |
| Employment practices liability | Listed 5Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. | Listed 29Named Employment Practices Liability product; examples and policy terms govern. |
| Fiduciary liability | Listed 5Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. | Listed 30Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. |
| General liability | Not listed | Listed 32,35GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. |
| Media liability | Listed 18Coalition identifies media liability within its Active Cyber policy. | Not listed |
| Medical malpractice | Not listed | Listed 33Allied healthcare liability for named classes; not universal conventional malpractice. |
| Professional errors and omissions (E&O) | Listed 6Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. | Listed 32,34,33,35Several separately scoped professional-liability programs; do not generalize terms across professions. |
| Technology errors and omissions (E&O) | Listed 1Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. | Not listed |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Coalition vs Counterpart Research by Coverage Line
Open what Coalition and Counterpart each document for one coverage line.
Crime Insurance
D&O Insurance
Employment Practices Liability Insurance
Fiduciary Liability Insurance
Professional Liability (E&O) Insurance
Current Reliability Scores for Coalition and Counterpart
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Coalition Reliability Scores
Hybrid providerBroker
6.1/ 10Carrier & MGA
6.3/ 10Counterpart Reliability Scores
BrokerBroker
No Reliability Score
Coalition and Counterpart Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coalition Review Score
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.
Read Coalition reviewsCounterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.
Read Counterpart reviewsKey Differences Between Coalition and Counterpart
Business Fit and Roles
Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 2,7Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 21Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.
The buyer starting points differ. Coalition's published material says: Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. 1 Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 19 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.
The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 2 21
Getting a Quote
You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. 13Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 24,19,23Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.
The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 13 24
Service After Binding
Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. 8Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 26Company-reported. Company-described professional-liability broker service.
Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 26
What Should You Confirm in Coalition and Counterpart Quotes?
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Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 2 21
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Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 13 24
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For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 26
Coalition vs Counterpart Services Compared
What each provider documents about the services you may need
| Criteria | Coalition | Counterpart |
|---|---|---|
| Business role | Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 2,7Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. 2Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. 2Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. | Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 21Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role. |
| Application process | You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. 13Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. 12Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. | A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 24,19,23Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested. Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 25Company-reported. Company-described broker workflow in a July 2025 article; not independently tested. |
| Servicing and renewals | Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. 8Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. 15Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. | Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 26Company-reported. Company-described professional-liability broker service. |
Provider Profiles for Coalition and Counterpart
Sources for Coalition vs Counterpart
Coalition Official Website
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
- Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
- Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
- How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
- How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
- Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
- Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.
Counterpart Official Website
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
- Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
- Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
- What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
- Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
- Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
- Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
- Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
- Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.
