Coalition vs 
TechInsurance: How Do They Compare for Business Insurance?
Coalition offers cyber and technology E&O through brokers; TechInsurance helps small businesses compare policies with agent support.
Introduction to the Coalition vs TechInsurance Comparison
A small business unsure which common policies to buy can use TechInsurance’s quote comparison and agent help; a technology firm can request Coalition’s focused policy. Choose Coalition if cyber and Tech E&O are the main gaps; choose TechInsurance if you want help comparing small-business options. 1 20 25
Buyer Takeaways for Coalition vs TechInsurance
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.
TechInsurance Buyer Takeaways
- Submit one application to compare multiple insurance quotes. 20Company-reported. Public application description; no application submitted or quote obtained.
- TechInsurance markets technology E&O and cyber coverage together. 25Company-reported. Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.
Coalition vs TechInsurance Coverage Lines Compared
| Coverage | Coalition | TechInsurance |
|---|---|---|
| Business owner’s policy | Not listed | Listed 24TechInsurance arranges business owner’s policies for small businesses. |
| Commercial auto | Not listed | Listed 19TechInsurance arranges commercial auto insurance for small businesses. |
| Commercial property | Not listed | Listed 24TechInsurance arranges commercial property insurance for small businesses. |
| Crime | Listed 5Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. | Not listed |
| Cyber liability | Listed 7Coalition offers cyber insurance. | Listed 24TechInsurance arranges cyber insurance for small businesses. |
| Directors and officers | Listed 5Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. | Listed 24TechInsurance arranges directors and officers liability insurance for small businesses. |
| Employment practices liability | Listed 5Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. | Listed 24TechInsurance arranges employment practices liability insurance for small businesses. |
| Fidelity bonds | Not listed | Listed 24TechInsurance arranges fidelity bonds addressing employee theft from clients. |
| Fiduciary liability | Listed 5Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. | Not listed |
| General liability | Not listed | Listed 24TechInsurance arranges general liability insurance for small businesses. |
| Media liability | Listed 18Coalition identifies media liability within its Active Cyber policy. | Not listed |
| Professional errors and omissions (E&O) | Listed 6Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. | Listed 24TechInsurance arranges professional errors and omissions insurance for small businesses. |
| Surety bonds | Not listed | Listed 21TechInsurance arranges surety bonds for small businesses. |
| 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. | Listed 25TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. |
| Tools, equipment and inland marine | Not listed | Listed 26TechInsurance arranges inland marine coverage for contractors’ tools and equipment. |
| Umbrella and excess liability | Not listed | Listed 24TechInsurance arranges commercial umbrella insurance for small businesses. |
| Workers’ compensation | Not listed | Listed 24TechInsurance arranges workers’ compensation insurance for small businesses. |
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 TechInsurance Research by Coverage Line
Open what Coalition and TechInsurance each document for one coverage line.
Cyber Insurance
D&O Insurance
Employment Practices Liability Insurance
Professional Liability (E&O) Insurance
Tech E&O Insurance
Current Reliability Scores for Coalition and TechInsurance
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/ 10TechInsurance Reliability Scores
BrokerBroker
5.0/ 10Coalition and TechInsurance 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 reviewsTechInsurance Review Score
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.
Read TechInsurance reviewsKey Differences Between Coalition and TechInsurance
The Corporate Chain Does Not Add Independent Markets
TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. 20,21,30Company-reported. Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.
TechInsurance’s operating disclosure identifies Specialty Program Group, doing business in California as SPG Insurance Solutions. If another HUB channel also presents an option, ask whether the teams are using the same market and submission rather than counting them as unrelated bidders. Coalition’s producer is a different role from the retail agency assembling your comparison. 27 28 2
The Cyber Part of a Bundle Needs to Be Defined
TechInsurance describes technology E&O as bundling E&O and cyber liability; its record specifically leaves the own-loss and client-liability scope to the actual forms. Coalition describes breach-response expenses, extortion and business interruption alongside combined Tech E&O. Ask for the insuring agreements and limits rather than treating two bundled labels as proof of equivalent first-party coverage. 25 7 1
Quote Comparison Has a Compensation and Service Context
SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. 28Company-reported. Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.
That disclosure does not establish an unsuitable recommendation. It makes the markets approached and reasons for the recommendation useful questions. TechInsurance describes an account manager and certificate access, but its reviewed pages do not specify a complex-program renewal remarketing schedule. Coalition’s cyber renewal paths concern that product, not a promise to shop your entire business program. 21 15
What Should You Confirm in Coalition and TechInsurance Quotes?
Request the actual quote count, legal issuers, first-party cyber agreements and the E&O services definition. Ask what account-manager support continues as the firm grows, and obtain claims contacts: TechInsurance’s guidance generally routes claims to the carrier. Confirm fees and any strategic-carrier compensation applying to the selected placement. 26 29 28 4
Coalition vs TechInsurance Services Compared
What each provider documents about the services you may need
| Criteria | Coalition | TechInsurance |
|---|---|---|
| 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. | Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. 21,27,28Company-reported. Brand and disclosed producer entity; company sources, not independent regulatory verification. TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. 20,21,30Company-reported. Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer. |
| 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. | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. 20Company-reported. Public application description; no application submitted or quote obtained. TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. 21Company-reported. Public quote-account instructions; no universal turnaround time established. |
| Fees and compensation | Your broker may receive a premium-based commission plus contingent commissions, placement incentives or cybersecurity-sales compensation, according to Coalition; ask how your placement is compensated. 4Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Coalition says it keeps part of earned premium for operations and broker commissions, and may receive additional insurer payments tied to annual portfolio loss ratios. 16Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Get the full price and broker compensation in writing; reviewed disclosures do not state a startup quote’s commission rate, fee or premium. 4,16Not publicly disclosed. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. 27,28Company-reported. Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement. SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. 28Company-reported. Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account. |
| 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. | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. 19,21Company-reported. Documented service description, not tested service speed or quality. The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. 20,21Not publicly disclosed. Scoped public-information gap; does not establish that these services are unavailable. |
| Claims assistance | 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-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. | TechInsurance’s claims guidance generally directs customers to the insurance carrier. It says its agents can help locate policy information or the insurer’s contact details; it does not establish that TechInsurance adjusts claims or guarantees an outcome. 29Company-reported. Educational claims instructions used only for the explicitly described agent-contact service, not evidence of coverage or claims quality. |
Provider Profiles for Coalition and TechInsurance
Sources for Coalition vs TechInsurance
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.
TechInsurance Official Website
- Technology Business Insurance. TechInsurance; Top business insurance policies (including the Commercial auto insurance card); proof of insurance and expert advice; footer. Accessed 2026-09-16.
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Insurance Licensing. TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
- Small Business Insurance in California. TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
- Small Business Insurance. TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Our Insurance Partners. TechInsurance; Named provider sections; More key policies our dedicated providers offer (including Contractor’s tools and equipment insurance); Professions we insure. Accessed 2026-09-16.
- Compensation Disclosure Notice. TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
- Compensation Disclosure. Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
- How Do I File a Business Insurance Claim? TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
- Hub International and Bold Penguin to Acquire Insureon. HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.
