--- title: "Coalition vs Counterpart" description: "Compare Coalition's agent or broker-assisted application with Counterpart's quote entry whose binding route remains unclear; check product fit, service and policy-specific terms." canonical: "https://thegeneralaverage.com/compare/coalition-vs-counterpart" page-type: "provider-comparison" updated-at: "2026-09-30" comparison-pair: "coalition-vs-counterpart" provider-a: "coalition" provider-b: "counterpart" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/coalition-vs-counterpart) ## Agent Guide **What this page is:** Side-by-side comparison of Coalition and Counterpart as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Coalition and Counterpart differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Coalition and Counterpart compare? - Which is better for business insurance, Coalition or Counterpart? - Does Coalition or Counterpart offer the coverage lines I need? - What service and claims differences are documented between Coalition and Counterpart? **Key facts:** - Providers compared: Coalition and Counterpart. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 10 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Coalition profile](https://thegeneralaverage.com/insurance-providers/coalition) — provider profile (evidence for this comparison) - [Counterpart profile](https://thegeneralaverage.com/insurance-providers/counterpart) — provider profile (evidence for this comparison) - [Coalition Crime Insurance](https://thegeneralaverage.com/insurance-providers/coalition/crime) — one provider's documented offering for a shared coverage line - [Counterpart Crime Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/crime) — one provider's documented offering for a shared coverage line - [Coalition D&O Insurance](https://thegeneralaverage.com/insurance-providers/coalition/directors-officers) — one provider's documented offering for a shared coverage line - [Counterpart D&O Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/directors-officers) — one provider's documented offering for a shared coverage line - [Coalition Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/employment-practices) — one provider's documented offering for a shared coverage line - [Counterpart Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/employment-practices) — one provider's documented offering for a shared coverage line - [Coalition Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/fiduciary) — one provider's documented offering for a shared coverage line - [Counterpart Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/fiduciary) — one provider's documented offering for a shared coverage line - [Coalition Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/coalition/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Counterpart Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [AIG vs Coalition](https://thegeneralaverage.com/compare/aig-vs-coalition) — sibling comparison - [AIG vs Counterpart](https://thegeneralaverage.com/compare/aig-vs-counterpart) — sibling comparison - [Alliance Risk vs Coalition](https://thegeneralaverage.com/compare/alliance-risk-vs-coalition) — sibling comparison - [Alliance Risk vs Counterpart](https://thegeneralaverage.com/compare/alliance-risk-vs-counterpart) — sibling comparison - [Amelia Risk vs Coalition](https://thegeneralaverage.com/compare/amelia-risk-vs-coalition) — sibling comparison - [Amelia Risk vs Counterpart](https://thegeneralaverage.com/compare/amelia-risk-vs-counterpart) — sibling comparison - [Aon vs Coalition](https://thegeneralaverage.com/compare/aon-vs-coalition) — sibling comparison - [Aon vs Counterpart](https://thegeneralaverage.com/compare/aon-vs-counterpart) — sibling comparison - [Armilla vs Coalition](https://thegeneralaverage.com/compare/armilla-vs-coalition) — sibling comparison - [Armilla vs Counterpart](https://thegeneralaverage.com/compare/armilla-vs-counterpart) — sibling comparison - [At-Bay vs Coalition](https://thegeneralaverage.com/compare/at-bay-vs-coalition) — sibling comparison - [At-Bay vs Counterpart](https://thegeneralaverage.com/compare/at-bay-vs-counterpart) — sibling comparison - [The Baldwin Group vs Coalition](https://thegeneralaverage.com/compare/baldwin-vs-coalition) — sibling comparison - [The Baldwin Group vs Counterpart](https://thegeneralaverage.com/compare/baldwin-vs-counterpart) — sibling comparison - [Beazley vs Coalition](https://thegeneralaverage.com/compare/beazley-vs-coalition) — sibling comparison - [Beazley vs Counterpart](https://thegeneralaverage.com/compare/beazley-vs-counterpart) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Coalition](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-coalition) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-counterpart) — sibling comparison - [biBerk vs Coalition](https://thegeneralaverage.com/compare/biberk-vs-coalition) — sibling comparison - [biBerk vs Counterpart](https://thegeneralaverage.com/compare/biberk-vs-counterpart) — sibling comparison - [CFC vs Coalition](https://thegeneralaverage.com/compare/cfc-vs-coalition) — sibling comparison - [CFC vs Counterpart](https://thegeneralaverage.com/compare/cfc-vs-counterpart) — sibling comparison - [Chubb vs Coalition](https://thegeneralaverage.com/compare/chubb-vs-coalition) — sibling comparison - [Chubb vs Counterpart](https://thegeneralaverage.com/compare/chubb-vs-counterpart) — sibling comparison - [CNA vs Coalition](https://thegeneralaverage.com/compare/cna-vs-coalition) — sibling comparison - [CNA vs Counterpart](https://thegeneralaverage.com/compare/cna-vs-counterpart) — sibling comparison - [Coalition vs Corgi](https://thegeneralaverage.com/compare/coalition-vs-corgi) — sibling comparison - [Coalition vs Coterie Insurance](https://thegeneralaverage.com/compare/coalition-vs-coterie) — sibling comparison - [Coalition vs Coverdash](https://thegeneralaverage.com/compare/coalition-vs-coverdash) — sibling comparison - [Coalition vs Cowbell](https://thegeneralaverage.com/compare/coalition-vs-cowbell) — sibling comparison - [Coalition vs Embroker](https://thegeneralaverage.com/compare/coalition-vs-embroker) — sibling comparison - [Coalition vs Founder Shield](https://thegeneralaverage.com/compare/coalition-vs-foundershield) — sibling comparison - [Corgi vs Counterpart](https://thegeneralaverage.com/compare/corgi-vs-counterpart) — sibling comparison - [Coterie Insurance vs Counterpart](https://thegeneralaverage.com/compare/coterie-vs-counterpart) — sibling comparison - [Counterpart vs Coverdash](https://thegeneralaverage.com/compare/counterpart-vs-coverdash) — sibling comparison - [Counterpart vs Cowbell](https://thegeneralaverage.com/compare/counterpart-vs-cowbell) — sibling comparison - [Counterpart vs Embroker](https://thegeneralaverage.com/compare/counterpart-vs-embroker) — sibling comparison - [Counterpart vs Founder Shield](https://thegeneralaverage.com/compare/counterpart-vs-foundershield) — sibling comparison # Coalition vs Counterpart: How Do They Compare for Business Insurance? Compare Coalition's agent or broker-assisted application with Counterpart's quote entry whose binding route remains unclear; check product fit, service and policy-specific terms. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Coalition vs Counterpart in Brief 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. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [24](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") ## Coalition and Counterpart Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Coalition Reliability Scores Role: Hybrid role. Broker Reliability Score: **6.1/10** (partial score; 75% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Carrier & MGA Reliability Score: **6.3/10** (partial score; 80% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/coalition/reliability). ### Counterpart Reliability Scores Role: Broker. Broker Reliability Score: **No Reliability Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: No regulator record was retrieved for Counterpart Insurance Services, Inc.'s license status, so the 50-state and D.C. authority and the NPN are company-reported.; The insurer for each product and state is not mapped, and the list of insurers is not a placement record.; Whether Counterpart Insurance Company issues policies today is not established.; No five-year regulator conduct search was completed for Counterpart Insurance Services, Inc. or Counterpart, Inc. Absence of results is not a clean record.; Counterpart's claims-speed and satisfaction figures have no published method, and who decides a claim for a given policy is not disclosed.; Insurer ratings were read from press coverage of AM Best releases, and the Markel release was read earlier by another reviewer. The AM Best pages themselves blocked automated access.; No customer rating from an independent review platform was found.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: No regulator record was retrieved for Counterpart Insurance Services, Inc.'s license status, so the 50-state and D.C. authority and the NPN are company-reported.; The insurer for each product and state is not mapped, and the list of insurers is not a placement record.; Whether Counterpart Insurance Company issues policies today is not established.; No five-year regulator conduct search was completed for Counterpart Insurance Services, Inc. or Counterpart, Inc. Absence of results is not a clean record.; Counterpart's claims-speed and satisfaction figures have no published method, and who decides a claim for a given policy is not disclosed.; Insurer ratings were read from press coverage of AM Best releases, and the Markel release was read earlier by another reviewer. The AM Best pages themselves blocked automated access.; No customer rating from an independent review platform was found.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/counterpart/reliability). ## Coalition Review Scores for 2026 Review Score: 10.0 / 10 from 1 rated source, equally weighted. 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. - BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints) - RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews) - BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition) Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/coalition/reviews). ## Counterpart Review Scores for 2026 Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/counterpart/reviews). ## An Overview of Coalition and Counterpart 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](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [24](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") ## What Stands Out About Coalition and Counterpart? ### Coalition at a Glance - Technology companies can combine cyber and Tech E&O in one program. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) - Policyholders get cyber monitoring, alerts and remediation guidance through Control. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) ### Counterpart at a Glance - Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. [19](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [27](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [28](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [29](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [30](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [31](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [32](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [33](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [34](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [35](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.; verified: 2026-09-29.) - Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. [25](https://knowledge.yourcounterpart.com/en/articles/4438626-what-is-my-application-status "What is my application status?") (Evidence: Company-reported; scope: Company-described broker workflow in a July 2025 article; not independently tested.; verified: 2026-09-29.) ## Coalition vs Counterpart Coverage Lines Compared | Coverage Type | Coalition | Counterpart | | --- | --- | --- | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed: Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. [31](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Coalition offers cyber insurance. [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Not listed | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed: Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. [27](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [28](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed: Named Employment Practices Liability product; examples and policy terms govern. [29](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed: Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. [30](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Not listed | Listed: GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. [32](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [35](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: Coalition identifies media liability within its Active Cyber policy. [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Not listed | Listed: Allied healthcare liability for named classes; not universal conventional malpractice. [33](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed: Several separately scoped professional-liability programs; do not generalize terms across professions. [32](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [34](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [33](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [35](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | 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 and Counterpart Coverage, Line by Line - [Coalition Crime Insurance](https://thegeneralaverage.com/insurance-providers/coalition/crime) - [Counterpart Crime Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/crime) - [Coalition D&O Insurance](https://thegeneralaverage.com/insurance-providers/coalition/directors-officers) - [Counterpart D&O Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/directors-officers) - [Coalition Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/employment-practices) - [Counterpart Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/employment-practices) - [Coalition Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/fiduciary) - [Counterpart Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/fiduciary) - [Coalition Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/coalition/professional-errors-omissions) - [Counterpart Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/counterpart/professional-errors-omissions) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key 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](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) 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. [21](https://yourcounterpart.com/licenses "Licenses & Carriers") (Evidence: Company-reported; scope: Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.; verified: 2026-09-29.) 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") 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](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [21](https://yourcounterpart.com/licenses "Licenses & Carriers") ### 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. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) 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](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [19](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [23](https://app.yourcounterpart.com/login "Counterpart application destination") (Evidence: Conflicting sources; scope: Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.; verified: 2026-09-29.) 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](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [24](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") ### 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. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) 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. [26](https://yourcounterpart.com/services/professional-liability "Counterpart Professional Liability") (Evidence: Company-reported; scope: Company-described professional-liability broker service.; verified: 2026-09-29.) 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](https://www.coalitioninc.com/control "Coalition Control") [26](https://yourcounterpart.com/services/professional-liability "Counterpart Professional Liability") ## What Should You Confirm in Coalition and Counterpart Quotes? - Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [21](https://yourcounterpart.com/licenses "Licenses & Carriers") - 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](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [24](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") - 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](https://www.coalitioninc.com/control "Coalition Control") [26](https://yourcounterpart.com/services/professional-liability "Counterpart Professional Liability") ## 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](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

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. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

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. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | 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. [21](https://yourcounterpart.com/licenses "Licenses & Carriers") (Evidence: Company-reported; scope: Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.; verified: 2026-09-29.) | | 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. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

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. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | 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](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [19](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [23](https://app.yourcounterpart.com/login "Counterpart application destination") (Evidence: Conflicting sources; scope: Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.; verified: 2026-09-29.)

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. [25](https://knowledge.yourcounterpart.com/en/articles/4438626-what-is-my-application-status "What is my application status?") (Evidence: Company-reported; scope: Company-described broker workflow in a July 2025 article; not independently tested.; verified: 2026-09-29.) | | 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. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

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. [15](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition "How do Cyber renewals work at Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | 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. [26](https://yourcounterpart.com/services/professional-liability "Counterpart Professional Liability") (Evidence: Company-reported; scope: Company-described professional-liability broker service.; verified: 2026-09-29.) | ## Provider Profiles for Coalition and Counterpart - [What Is Coalition Insurance?](https://thegeneralaverage.com/insurance-providers/coalition) - [What Is Counterpart Insurance?](https://thegeneralaverage.com/insurance-providers/counterpart) ## Comparisons Related to Coalition vs Counterpart - [AIG vs Coalition](https://thegeneralaverage.com/compare/aig-vs-coalition) - [AIG vs Counterpart](https://thegeneralaverage.com/compare/aig-vs-counterpart) - [Alliance Risk vs Coalition](https://thegeneralaverage.com/compare/alliance-risk-vs-coalition) - [Alliance Risk vs Counterpart](https://thegeneralaverage.com/compare/alliance-risk-vs-counterpart) - [Amelia Risk vs Coalition](https://thegeneralaverage.com/compare/amelia-risk-vs-coalition) - [Amelia Risk vs Counterpart](https://thegeneralaverage.com/compare/amelia-risk-vs-counterpart) - [Aon vs Coalition](https://thegeneralaverage.com/compare/aon-vs-coalition) - [Aon vs Counterpart](https://thegeneralaverage.com/compare/aon-vs-counterpart) - [Armilla vs Coalition](https://thegeneralaverage.com/compare/armilla-vs-coalition) - [Armilla vs Counterpart](https://thegeneralaverage.com/compare/armilla-vs-counterpart) - [At-Bay vs Coalition](https://thegeneralaverage.com/compare/at-bay-vs-coalition) - [At-Bay vs Counterpart](https://thegeneralaverage.com/compare/at-bay-vs-counterpart) - [The Baldwin Group vs Coalition](https://thegeneralaverage.com/compare/baldwin-vs-coalition) - [The Baldwin Group vs Counterpart](https://thegeneralaverage.com/compare/baldwin-vs-counterpart) - [Beazley vs Coalition](https://thegeneralaverage.com/compare/beazley-vs-coalition) - [Beazley vs Counterpart](https://thegeneralaverage.com/compare/beazley-vs-counterpart) - [Berkshire Hathaway Specialty Insurance vs Coalition](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-coalition) - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-counterpart) - [biBerk vs Coalition](https://thegeneralaverage.com/compare/biberk-vs-coalition) - [biBerk vs Counterpart](https://thegeneralaverage.com/compare/biberk-vs-counterpart) - [CFC vs Coalition](https://thegeneralaverage.com/compare/cfc-vs-coalition) - [CFC vs Counterpart](https://thegeneralaverage.com/compare/cfc-vs-counterpart) - [Chubb vs Coalition](https://thegeneralaverage.com/compare/chubb-vs-coalition) - [Chubb vs Counterpart](https://thegeneralaverage.com/compare/chubb-vs-counterpart) - [CNA vs Coalition](https://thegeneralaverage.com/compare/cna-vs-coalition) - [CNA vs Counterpart](https://thegeneralaverage.com/compare/cna-vs-counterpart) - [Coalition vs Corgi](https://thegeneralaverage.com/compare/coalition-vs-corgi) - [Coalition vs Coterie Insurance](https://thegeneralaverage.com/compare/coalition-vs-coterie) - [Coalition vs Coverdash](https://thegeneralaverage.com/compare/coalition-vs-coverdash) - [Coalition vs Cowbell](https://thegeneralaverage.com/compare/coalition-vs-cowbell) - [Coalition vs Embroker](https://thegeneralaverage.com/compare/coalition-vs-embroker) - [Coalition vs Founder Shield](https://thegeneralaverage.com/compare/coalition-vs-foundershield) - [Corgi vs Counterpart](https://thegeneralaverage.com/compare/corgi-vs-counterpart) - [Coterie Insurance vs Counterpart](https://thegeneralaverage.com/compare/coterie-vs-counterpart) - [Counterpart vs Coverdash](https://thegeneralaverage.com/compare/counterpart-vs-coverdash) - [Counterpart vs Cowbell](https://thegeneralaverage.com/compare/counterpart-vs-cowbell) - [Counterpart vs Embroker](https://thegeneralaverage.com/compare/counterpart-vs-embroker) - [Counterpart vs Founder Shield](https://thegeneralaverage.com/compare/counterpart-vs-foundershield) ## Sources for Coalition vs Counterpart ### [Coalition Official Website](https://www.coalitioninc.com/) 1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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. 2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16. 3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16. 4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16. 5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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. 6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16. 7. [Active Cyber Insurance](https://www.coalitioninc.com/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. 8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16. 9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16. 10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage) Coalition; United States. Accessed 2026-09-16. 11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-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. 12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16. 13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition) Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-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. 15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition) Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16. 16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money) Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16. 17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16. 18. [Coalition AI Coverage](https://www.coalitioninc.com/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](https://yourcounterpart.com/) 19. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). 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. 20. [About Counterpart](https://yourcounterpart.com/about). 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. 21. [Licenses & Carriers](https://yourcounterpart.com/licenses). 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. 22. [Counterpart press articles](https://press.yourcounterpart.com/press/). 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. 23. [Counterpart application destination](https://app.yourcounterpart.com/login). 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. 24. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-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. 25. [What is my application status?](https://knowledge.yourcounterpart.com/en/articles/4438626-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. 26. [Counterpart Professional Liability](https://yourcounterpart.com/services/professional-liability). Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28. 27. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28. 28. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28. 29. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28. 30. [Fiduciary Liability Insurance](https://yourcounterpart.com/products/fid). Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28. 31. [Commercial Crime Insurance](https://yourcounterpart.com/products/crime). Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28. 32. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). 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. 33. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). 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. 34. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28. 35. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). 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. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/coalition-vs-counterpart.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)