AI Insurer Profile

Coalition

Pioneered "Active Insurance": cyber tools + coverage for prevention (73% fewer claims vs industry). AI-driven risk mgmt (Coalition Control®), fast response (5-min avg), vanishing retention, proactive underwriting. Own data advantage from 100k+ clients [Homepage,...

Founded
March 2017 [Insurance Journal]
Headquarters
Coverage Limits
$15M limits available for organizations up to $5B annual revenue. Risk-based...
Leadership

Key People

CEO & Co-Founder: Joshua Motta; CRO: Shawn Ram; CFO: Jim Young; CPO: Frank Fumarola; CTO: Maha Virudhagiri; Head of Insurance: David Lynders; General Counsel: John Littzi; CMO: Dylan Steele; CUO: Tiago Henriques; Chief of Staff: Sisi Liu [Coalition About]

Products

AI Insurance Coverage

Active Cyber Policy includes Affirmative AI Coverage for AI-related security events (e.g., AI-caused failures, deepfake FTF).

CoalitionAI™ uses GenAI/LLMs for alerts, underwriting, guidance via Coalition Control® platform.

Added to US Surplus/Canada policies in 2024; integrated in 2025 Active Cyber Policy [AI Endorsement, Active Policy, CoalitionAI]

Who It's For

Target Customers

Primarily SMBs to mid-market (up to $5B revenue), all industries including tech, healthcare, education, construction. 100k+ policyholders in US, UK, Canada, Australia, Germany [Homepage, SMB]

Backing

Partnerships & Backing

Reinsurers/backers: Allianz, Swiss Re, Arch, Lloyd's, Ascot, Vantage, Aspen, Ferian Re (BDT Capital). Own admitted carrier: Coalition Insurance Company (CIC, NAIC 29530). Investors: $755M+ raised (Allianz X, Valor Equity, etc.) [Reinsurance, Funding]

Track Record

Case Studies & Claims

Ransomware recoveries: Colocation/IT firm (25 BTC paid, 48h resolution); Medical practice (ransom negotiated 75% down from $750k). $158M total stolen funds recovered; 64% claims no out-of-pocket loss; $21.8M recovered in

2026 report [Case Studies, Claims Report]

Differentiators

What Sets Coalition Apart

Pioneered "Active Insurance": cyber tools + coverage for prevention (73% fewer claims vs industry).

AI-driven risk mgmt (Coalition Control®), fast response (5-min avg), vanishing retention, proactive underwriting.

Own data advantage from 100k+ clients [Homepage, Active Policy]

Latest

Recent News

2024: Affirmative AI Endorsement. 2025: Active Cyber Policy launch (Apr), CTO Maha Virudhagiri hired (Mar), 2025 Claims Report (ransomware stable). 2026: Private Equity Practice launch (Jan), 2026 Claims Report ($21.8M recovered) [News, CTO, PE]

Covered Risks

Risks Coalition Protects Against

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LLM Coverage

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