Coalition

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

Coalition SWOT Analysis

Updated: October 1, 2025 • 2025-Q4 Analysis

How to Use This Analysis

This analysis for Coalition was created using Alignment.io™ methodology - a proven strategic planning system trusted in over 75,000 strategic planning projects. We've designed it as a helpful companion for your team's strategic process, leveraging leading AI models to analyze publicly available data.

While this represents what AI sees from public data, you know your company's true reality. That's why we recommend using Alignment.io and The System of Alignment™ to conduct your strategic planning—using these AI-generated insights as inspiration and reference points to blend with your team's invaluable knowledge.

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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.

Chubb Beazley At-Bay Corvus Insurance Hiscox

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

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

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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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Coalition OKR

Updated: October 1, 2025 • 2025-Q4 Analysis

This Coalition OKR plan is a masterclass in focus. It rightly prioritizes scaling the broker channel and achieving underwriting profit—the twin engines of long-term value. By translating strategic conclusions directly into measurable outcomes, it aligns the entire organization on what truly matters: dominating the category not just in revenue, but in intelligence and efficiency. The emphasis on AI-driven automation is critical for building a scalable, defensible moat against both incumbents and new entrants. This plan is designed not just for growth, but for leadership.

Chubb Beazley At-Bay Corvus Insurance Hiscox

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

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

DEFINE THE CATEGORY

Cement our position as the undisputed Active Insurance leader.

MESSAGE: Launch a new brand campaign that increases share of voice by 25% over key competitors.
INNOVATE: Ship three industry-first 'Active' features that are highlighted by analysts like Gartner.
VALIDATE: Secure 50 new customer case studies that quantify risk reduction using our platform's data.
PARTNER: Become the exclusive cyber provider for two major national brokerages' SMB programs.

SCALE THE ENGINE

Drive massive growth through our broker channel and platform.

AUTOMATE: Process 75% of all new SMB submissions through the broker portal with zero human touch.
ENABLE: Certify 5,000 brokers on our new 'Active Insurance Expert' training and enablement program.
EXPAND: Achieve a 100% increase in Gross Written Premium (GWP) from international markets.
INTEGRATE: Launch API integrations with the top 3 Broker Management Systems to streamline workflows.

INTELLIGENT RISK

Leverage our data and AI to build the smartest risk engine.

MODEL: Deploy a new AI underwriting model that improves loss ratio prediction accuracy by 15%.
PERSONALIZE: Deliver AI-generated, personalized security recommendations to 100% of our policyholders.
VISUALIZE: Launch a new 'Executive Risk Dashboard' for our largest clients, increasing engagement by 50%.
DETECT: Reduce the time to detect critical new vulnerabilities across our customer base by 40%.

PROFITABLE GROWTH

Achieve operational excellence and underwriting profitability.

RATIO: Decrease the company's loss ratio by 5 points through improved risk selection and active response.
EFFICIENCY: Reduce the cost of claims handling by 20% through AI-powered automation and triage.
ANALYZE: Implement a new profitability dashboard to track performance by broker, industry, and region.
CAPACITY: Secure $500M in new, diversified reinsurance capacity to support future growth targets.

METRICS

Gross Written Premium (GWP): $1.5B
Combined Ratio: < 95%
Net Policyholder Retention: > 97%

VALUES

Character
Humility
Responsibility
Purpose
Authenticity

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Coalition Retrospective

AI-Powered Insights

Claude

Gemini

GPT

Coalition Official Website (About Us, Press Releases)
TechCrunch, Forbes, and other financial news articles on funding and growth
Crunchbase for funding, valuation, and investor information
Industry reports on the cyber insurance market from firms like Marsh, Aon
G2 and other platforms for qualitative customer feedback

Chubb Beazley At-Bay Corvus Insurance Hiscox

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

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

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What Went Well

GROWTH: Continued strong GWP growth, exceeding market expectations.
EXPANSION: Successful launch of Executive Risks and international footprint.
PARTNERSHIPS: Deepened relationships with key national broker partners.
RETENTION: Maintained high customer retention rates despite market hardening.
INNOVATION: Rolled out new features in the Coalition Control platform.

Not So Well

PRICING: Faced pressure from the hard reinsurance market on pricing.
COMPETITION: Increased noise from competitors adopting 'active' language.
HIRING: Challenges in hiring for specialized security and data roles.
ONBOARDING: Broker onboarding and education remains a friction point.
LOSSES: Rising severity of ransomware claims continues to be a concern.

Learnings

DIFFERENTIATION: Must continuously innovate to stay ahead of copycats.
DATA: Our proprietary data is the most defensible long-term asset.
CHANNEL: Broker education is a critical lever for scalable growth.
INTEGRATION: A unified platform experience is key to customer value.
PROFIT: Growth must be balanced with a clear path to underwriting profit.

Action Items

PRODUCT: Accelerate roadmap for AI-driven underwriting and claims.
MARKETING: Launch a campaign to clarify our 'Active Insurance' leadership.
SALES: Develop a new certification program for our top broker partners.
ENGINEERING: Invest in platform scalability to support 2x customer growth.
FINANCE: Secure additional reinsurance capacity to fuel future growth.

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Organization	SWOT Analysis	OKR Plan	Top 6	Retrospective

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Coalition Market

AI-Powered Insights

Claude

Gemini

GPT

Coalition Official Website (About Us, Press Releases)
TechCrunch, Forbes, and other financial news articles on funding and growth
Crunchbase for funding, valuation, and investor information
Industry reports on the cyber insurance market from firms like Marsh, Aon
G2 and other platforms for qualitative customer feedback

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 View Analysis

Beazley Request Analysis

At-Bay Request Analysis

Corvus Insurance Request Analysis

Hiscox Request Analysis

Products & Services

No products or services data available

Distribution Channels

Coalition Business Model Analysis

AI-Powered Insights

Claude

Gemini

GPT

Coalition Official Website (About Us, Press Releases)
TechCrunch, Forbes, and other financial news articles on funding and growth
Crunchbase for funding, valuation, and investor information
Industry reports on the cyber insurance market from firms like Marsh, Aon
G2 and other platforms for qualitative customer feedback

Problem

Cyber risk is complex, dynamic, expensive
Traditional insurance is reactive, slow
SMBs lack security expertise and tools

Solution

Active Insurance: tech + insurance
Real-time risk monitoring and alerts
24/7 incident response and claims team

Key Metrics

Gross Written Premium (GWP)
Loss Ratio & Combined Ratio
Customer Acquisition Cost (CAC)

Unique

Proactive risk prevention model
Proprietary data from scanning + claims
In-house security and incident response

Advantage

Data flywheel effect improves models
Deeply embedded in broker workflows
Unified tech and insurance talent

Channels

Wholesale & retail insurance brokers
Strategic partnerships w/ tech vendors

Customer Segments

Small to Medium Businesses (core)
Mid-Market and Enterprise companies
Non-profits and public entities

Costs

Claims payouts and incident response
Broker commissions and acquisition
Salaries (Eng, Security, Underwriting)

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.

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

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

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 Market Positioning

AI-Powered Insights

Claude

Gemini

GPT

Coalition Official Website (About Us, Press Releases)
TechCrunch, Forbes, and other financial news articles on funding and growth
Crunchbase for funding, valuation, and investor information
Industry reports on the cyber insurance market from firms like Marsh, Aon
G2 and other platforms for qualitative customer feedback

Strategic pillars derived from our vision-focused SWOT analysis

Fuse cyber insurance with proactive cybersecurity

Scale the world's leading digital risk data asset

Dominate the wholesale and retail broker ecosystem

Systematically enter new geographic markets

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 Operations and Technology

AI-Powered Insights

Claude

Gemini

GPT

Coalition Official Website (About Us, Press Releases)
TechCrunch, Forbes, and other financial news articles on funding and growth
Crunchbase for funding, valuation, and investor information
Industry reports on the cyber insurance market from firms like Marsh, Aon
G2 and other platforms for qualitative customer feedback

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

Board Members

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.

Analysis of AI Strategy

Updated: October 1, 2025 • 2025-Q4 Analysis

Using AI to protect the unprotected by creating a safe digital future for all.

Chubb Beazley At-Bay Corvus Insurance Hiscox

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

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

Strengths

DATA: One of the world's largest proprietary cyber risk & claims datasets.
CULTURE: Tech-first DNA enables rapid adoption and integration of AI/ML.
TALENT: Attracts top security, data science, and engineering talent.
FEEDBACK: Tight loop between AI risk models, claims data, and outcomes.
PLATFORM: Existing Coalition Control platform is ideal for deploying AI.

Weaknesses

COMPUTE: Significant investment needed in GPU infrastructure for LLMs.
BIAS: Risk of inherent bias in historical data affecting AI underwriting.
INTEGRATION: Connecting AI insights into legacy broker workflows is hard.
EXPLAINABILITY: Difficulty in explaining AI-driven underwriting decisions.
DEFENSE: Current AI/ML models may be vulnerable to adversarial attacks.

Opportunities

UNDERWRITING: Use GenAI to automate 90% of SMB underwriting submissions.
CLAIMS: AI-powered claims triage and fraud detection to cut costs by 30%.
GUIDANCE: Provide hyper-personalized, automated security advice to clients.
PREDICTION: Model novel, zero-day threats before they become widespread.
EFFICIENCY: AI co-pilots for brokers to speed up quoting and binding.

Threats

ATTACKS: Adversaries using advanced AI to create undetectable malware.
COMPETITION: Competitors with large language models leapfrogging our tech.
REGULATION: New laws restricting the use of AI in insurance underwriting.
COST: The cost of training and running state-of-the-art AI models.
ERRORS: An AI model error causing widespread mis-pricing of risk.

Key Priorities

AUTOMATE: Leverage AI for radical efficiency in underwriting and claims.
PREDICT: Enhance risk prediction models with generative AI capabilities.
PERSONALIZE: Use AI to deliver tailored risk mitigation guidance at scale.
EMBED: Integrate AI-powered co-pilots throughout the broker workflow.

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Coalition Financial Performance

AI-Powered Insights

Claude

Gemini

GPT

Coalition Official Website (About Us, Press Releases)
TechCrunch, Forbes, and other financial news articles on funding and growth
Crunchbase for funding, valuation, and investor information
Industry reports on the cyber insurance market from firms like Marsh, Aon
G2 and other platforms for qualitative customer feedback

Profit: Not publicly disclosed (private company).

Market Cap: $5B (last valuation)

Stock Performance

Annual Report: N/A (private company)

Debt: Not publicly disclosed.

ROI Impact: Reduced client claim frequency and cost.

SWOT Index

Composite strategic assessment with 10-year outlook

/ 100

Category Leader

ICM Index

STRATEGIC ADVISOR ASSESSMENT

Coalition's high score reflects its visionary 'Active Insurance' model and strong market execution. Its societal-level ambition is backed by a credible strategy, reflected in a high Achievability score. The OKRs are well-aligned to mitigate key weaknesses (scalability, profitability). The primary constraint is the high-severity threat of systemic risk and dependency on the reinsurance market, which tempers its otherwise stellar profile. AI leverage potential is exceptionally high given its proprietary dataset, a key driver of future value.

SWOT Factors

Upside: 86.7 Risk: 70.0

OKR Impact

AI Leverage

Top 3 Strategic Levers

Leverage AI to achieve underwriting profitability at scale

Solidify broker channel dominance through superior tech

Expand the 'Active' model into new insurance lines

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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