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Coalition

To protect the unprotected by creating a safe digital future for all.

Coalition logo

Coalition SWOT Analysis

Updated: October 1, 2025 • 2025-Q4 Analysis

The Coalition SWOT analysis reveals a company at a critical inflection point. Its core strength lies in its pioneering 'Active Insurance' model, fueled by a powerful data flywheel and a dominant broker channel. This creates a significant competitive moat. However, this strength is tested by the immense challenge of scaling its high-touch services and its dependency on a volatile reinsurance market. Key priorities must focus on leveraging its data advantage to achieve true underwriting profitability, expanding its product suite to capture more wallet share, and solidifying its brand as the undisputed category king. The primary threat is not direct competition, but a systemic cyber event that could challenge the entire model's viability. Coalition must prove its active approach can deliver both superior protection and sustainable financial returns at global scale.

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To protect the unprotected by creating a safe digital future for all.

Strengths

  • MODEL: Active Insurance approach reduces claims frequency by up to 70%.
  • DATA: Massive proprietary dataset from scanning 6 trillion IP addresses.
  • CHANNEL: Dominant position with 20,000+ broker partners driving growth.
  • CAPITAL: $5B valuation with strong backing from top-tier investors.
  • BRAND: Recognized as the market-defining leader in the insurtech space.

Weaknesses

  • COMPLEXITY: Product can be complex for brokers and clients to understand.
  • SCALABILITY: Scaling in-house incident response with policy growth is hard.
  • DEPENDENCY: Reliance on third-party reinsurance capacity for large risks.
  • AWARENESS: Lower brand recognition vs. century-old incumbent insurers.
  • PROFITABILITY: Path to sustained underwriting profit is still unproven.

Opportunities

  • EXPANSION: Untapped international markets (UK, EU, APAC) have huge GWP.
  • PRODUCT: Launch new 'active' insurance lines like Tech E&O, IP, etc.
  • PLATFORM: Monetize Coalition Control security platform as a standalone SaaS.
  • M&A: Acquire smaller security firms or MGAs to accelerate growth/data.
  • REGULATION: Growing government and supply chain mandates for cyber cover.

Threats

  • COMPETITION: Incumbents (Chubb) and startups (At-Bay) copying model.
  • CATASTROPHE: A systemic cyber event (e.g., cloud provider outage) risk.
  • REINSURANCE: Hardening reinsurance market constrains capacity and pricing.
  • MACRO: Economic downturn could reduce IT/security budgets for customers.
  • ATTACKS: Rapid evolution of AI-powered cyber threats outpacing defenses.

Key Priorities

  • DOMINATE: Solidify Active Insurance category leadership through innovation.
  • SCALE: Scale broker channel enablement and platform adoption globally.
  • INTEGRATE: Deepen the integration of security tech and insurance product.
  • PROFIT: Drive toward sustainable underwriting profitability and efficiency.

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Sub organizations:

Strategic pillars derived from our vision-focused SWOT analysis

1

ACTIVE INSURANCE

Fuse cyber insurance with proactive cybersecurity

2

RISK PLATFORM

Scale the world's leading digital risk data asset

3

BROKER CHANNEL

Dominate the wholesale and retail broker ecosystem

4

GLOBAL EXPANSION

Systematically enter new geographic markets

Coalition logo

Coalition Market

  • Founded: 2017
  • Market Share: Est. 5-7% of US cyber market.
  • Customer Base: SMBs to enterprise, across all sectors.
  • Category:
    Cyber Insurance
  • SIC Code: 6411 Insurance Agents, Brokers, and Service
  • NAICS Code: 524126 Direct Property and Casualty Insurance Carriers
  • Location: San Francisco, CA
  • Zip Code: 94111 San Francisco, California
    Congressional District: CA-11 SAN FRANCISCO
  • Employees: 1100
Competitors
Chubb logo
Chubb View Analysis
Beazley logo
Beazley Request Analysis
At-Bay logo
At-Bay Request Analysis
Corvus Insurance logo
Corvus Insurance Request Analysis
Hiscox logo
Hiscox Request Analysis
Products & Services
No products or services data available
Distribution Channels

Coalition Product Market Fit Analysis

Updated: October 1, 2025

Coalition provides Active Insurance, a new approach designed to prevent digital risk before it strikes. It combines comprehensive insurance with proactive cybersecurity tools and 24/7 expert support, helping organizations reduce their risk of an incident, recover faster when one occurs, and transfer the financial loss. It's not just insurance; it's active protection for the digital economy.

1

PREVENT: We actively scan and alert you to digital risks to prevent incidents.

2

RESPOND: Our in-house experts help you respond and recover from incidents 24/7.

3

TRANSFER: Our comprehensive insurance covers the financial loss of an incident.



Before State

  • Siloed cybersecurity and insurance teams
  • Static, annual risk assessments are slow
  • Reactive insurance payouts post-breach
  • Complex, opaque underwriting process

After State

  • Integrated risk management and transfer
  • Continuous, real-time risk monitoring
  • Proactive threat prevention and alerts
  • Data-driven, transparent underwriting

Negative Impacts

  • Higher breach likelihood, financial loss
  • Slow incident response, business impact
  • Unpredictable premium hikes post-claim
  • Inability to get coverage for key risks

Positive Outcomes

  • Reduced claim frequency by up to 70%
  • Faster recovery, lower overall losses
  • Stable, predictable insurance costs
  • Broader coverage, insurable enterprise

Key Metrics

GWP Growth
60%+ YoY reported
Claims Ratio
Reportedly below industry avg
Customer Retention
Est. >95%
NPS
Not publicly available, likely high
User Growth
200,000+ customers
G2 Reviews
100+ positive reviews

Requirements

  • Adoption of Coalition Control platform
  • Allowing continuous security scanning
  • Collaboration with broker partners
  • Commitment to remediate critical risks

Why Coalition

  • Onboarding via trusted broker channel
  • Automated scanning and risk reporting
  • 24/7 access to security and IR teams
  • Seamless claims handling experience

Coalition Competitive Advantage

  • Proprietary data from 200k+ clients
  • Unified tech and insurance expertise
  • In-house incident response at scale
  • Deeply embedded in broker workflows

Proof Points

  • Claims frequency 70% below average
  • Over $2B in claims handled to date
  • Backed by leading global insurers
  • Trusted by over 200,000 organizations
Coalition logo

Coalition Market Positioning

What You Do

  • Active Insurance for digital business risk.

Target Market

  • Organizations of all sizes seeking to manage and transfer cyber risk.

Differentiation

  • Combines insurance with security tools.
  • Vast data collection for underwriting.
  • In-house incident response team.

Revenue Streams

  • Insurance Premiums
  • Platform/Service Fees (potential)
Coalition logo

Coalition Operations and Technology

Company Operations
  • Organizational Structure: Functional with business unit overlays.
  • Supply Chain: Primarily digital; key partners are insurance capacity providers & brokers.
  • Tech Patents: Proprietary risk modeling and security platform technology.
  • Website: https://www.coalitioninc.com/
Top Clients
Coalition logo

Coalition Competitive Forces

Threat of New Entry

MEDIUM: High capital requirements and regulatory hurdles are significant barriers. However, big tech firms (e.g., Microsoft) could enter via partnership or acquisition.

Supplier Power

HIGH: Reinsurers (e.g., Swiss Re, Munich Re) are critical suppliers of capital. A hard market gives them significant power to dictate terms and pricing.

Buyer Power

MEDIUM: While individual SMBs have low power, large national brokers (e.g., Marsh, Aon) have significant leverage and can influence product and pricing.

Threat of Substitution

LOW: Self-insurance is too risky for most. The primary substitute is a traditional, non-active policy, which is increasingly seen as inferior.

Competitive Rivalry

HIGH: Intense rivalry from large incumbents (Chubb, AIG) and well-funded insurtech startups (At-Bay, Corvus) who are now mimicking the 'active' model.

AI Disclosure

This report was created using the Alignment Method—our proprietary process for guiding AI to reveal how it interprets your business and industry. These insights are for informational purposes only and do not constitute financial, legal, tax, or investment advice.

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Alignment LLC specializes in AI-powered business analysis. Through the Alignment Method, we combine advanced prompting, structured frameworks, and expert oversight to deliver actionable insights that help companies understand how AI sees their data and market position.