Quoted Coalition cyber insurance and looking at alternatives? Here’s an honest comparison of how RMO BizCyber stacks up — on coverage limits, claims response, and the “active insurance” question.
How RMO BizCyber and Coalition compare on coverage approach, monitoring, and member benefits.
| Feature | RMO BizCyber | Coalition |
|---|---|---|
| Insurance Model | Traditional cyber insurance + bundled member benefits | “Active insurance” — coverage + continuous external monitoring |
| Plan Tiers | BizCyber I, II, III, IV | Underwriting based on company profile, not fixed tiers |
| Coverage Limits | $100K (I) · $250K (II) · $1M (III) · $5M (IV) | Typically $250K–$15M+ depending on underwriting |
| Data Breach Notification | Included from BizCyber I | Included |
| Ransomware & Extortion Coverage | Included from BizCyber II | Included |
| Digital Forensics | Consultation from I; full investigation from II | Yes — through Coalition Incident Response |
| Crisis Management / PR Support | Included from BizCyber II | Included |
| Regulatory Defense / PCI | Included from BizCyber III | Included |
| Business Email Compromise (BEC) | Covered from BizCyber III | Covered |
| Network Interruption / Media Liability | Included at BizCyber IV | Included |
| Continuous External Attack-Surface Monitoring | Not currently included | Yes — Coalition’s differentiator |
| Vulnerability Alerts & Risk Tools | Not included — bring your own security stack | Coalition Control platform included |
| Quoting | Through RMO BizMembership | Typically through cyber-focused insurance brokers |
| Member Pricing on Other Products | Yes — banking, treasury, business protection, more | Not applicable |
| Membership Required | Yes — RMO BizMembership (I/II/III by tier) | No membership needed |
Coverage details summarized for comparison. Specific covered events, sublimits, exclusions, retentions, and pricing vary by underwriting and quote.
Coverage limits scale up across BizCyber tiers. BizMembership level required is shown for each plan.
Requires BizMembership I
Requires BizMembership I
Requires BizMembership II
Requires BizMembership III
Prices reflect current monthly rate cards and do not include the cost of BizMembership. Final premium may be adjusted based on your business profile, industry, and security posture.
Both providers cover real ground. They serve different SMB profiles.
Join RMO BizMembership to access BizCyber and other business member benefits. Higher BizCyber tiers require BizMembership II or III.
Pick the tier matching your coverage limits, and request a quote based on your industry, revenue, and security posture.
Once your BizCyber policy is bound with an effective date, work with your broker to cancel your Coalition policy for that date. They typically issue a prorated refund.
Coalition pioneered the term “active insurance” for cyber — they don’t just write a policy and wait for claims. They actively monitor your external attack surface, alert you to vulnerabilities, and provide tools to reduce risk before incidents happen. RMO BizCyber is a more traditional cyber insurance product — coverage with claims response, not continuous external monitoring.
BizCyber I covers up to $100K. BizCyber II covers forensic investigation up to $250K. BizCyber III is comprehensive coverage up to $1M. BizCyber IV is the highest tier with maximum cyber protection up to $5M, including network interruption and media liability.
If you have an in-house security team or use a managed-security provider, RMO BizCyber’s traditional coverage model and member bundling may be the better fit. If you want continuous external monitoring built into your insurance and have higher cyber-risk exposure (regulated industry, large customer data sets), Coalition’s active-insurance model has real value.
Coalition quotes are typically obtained through cyber-focused insurance brokers — most direct-to-customer cyber buying still goes through brokers. RMO BizCyber is available directly through BizMembership; the higher-coverage tiers require BizMembership II or III.
BizCyber IV includes RMO’s full incident response team for ransomware, breach, and other major cyber events — covering forensic investigation, regulatory defense, customer notification, and crisis management. Specific scope is described in the policy documents.
BizCyber focuses on coverage and incident response rather than continuous external monitoring. If continuous monitoring is essential to your security program, Coalition’s active-insurance approach may be worth the difference. If you already have monitoring through an MSP or in-house security team, BizCyber covers what insurance is supposed to cover — the financial impact of incidents.
Become an RMO Business Member and access BizCyber along with banking, treasury, and the rest of your member benefits.
