Coalition vs Risklytics: How Do They Compare for Business Insurance?

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-reportedUnited 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-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Risklytics arranges commercial insurance for frontier-technology businesses; its disclosures identify Risklytics, Inc. dba Risklytics Insurance Services as producer, not insurer. ^20,21Company-reportedCompany legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.

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-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Risklytics says it drafts your application from your business description and public website for your review and signature; it also advertises Slack and email updates, but the process was not independently tested. ¹⁹Company-reportedCurrent official service description; not independently tested or a policy entitlement.

Risklytics says it reviews your application, approaches insurers and explains quote wording; the insurer binds only after you accept, and timing varies by risk. ²⁴Company-reportedFAQ process description only; no application, quote or binding transaction performed.

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-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Risklytics says its broker stays on the account and can issue certificates against a binder; public pages do not promise renewal shopping or certificate turnaround. ^24,21,25Company-reportedPublished servicing descriptions; no authenticated account inspected or service delivery measured.

Risklytics advertises an email response within a day; treat this as a target, not an emergency-claims commitment or verified result. ²⁵Company-reportedCurrent official service description; not independently tested or a policy entitlement.

Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. ^9,1Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Get the policy’s claim contact and Risklytics’ post-loss role before binding because reviewed pages do not establish a detailed claims process. ^21,24,25Not found in reviewed sourcesScoped to reviewed service and legal pages; no inference that assistance is unavailable or that claims handling is good or poor.

Private and nonprofit organizations may fit Coalition’s stated Executive Risks appetite up to $500 million in assets, 1,000 employees and $500 million in plan assets across the US and DC; limitations apply. ⁵Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

California buyers can ask about admitted or surplus cyber; Coalition lists Tech E&O and MPL under surplus coverage, but the exact Tech E&O form and applicant approval still need confirmation. ^10,11Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Verify the current producer authority for your location: Risklytics publishes NPN 22311838 and selected state licenses, but these company-listed identifiers are not independent verification or proof of product access. ²⁰Company-reportedAbout page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.

California is absent from Risklytics’ reviewed license table; this does not prove it cannot arrange coverage, so confirm the producer, authority and insurer before relying on a quote. ^20,21,29Not found in reviewed sourcesOfficial company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.