Learn what Coalition contingencies mean for cyber insurance renewal. Understand how security findings become renewal requirements and how to resolve them.
Coalition contingencies are unfixed security vulnerabilities detected through Coalition's external scan that must be resolved before policy renewal. They differ from findings during the active policy period: scan results don't affect current coverage, but if critical security issues persist over time, they become contingencies at renewal. Contingencies typically fall into categories like external vulnerability exposure, missing multifactor authentication, unpatched systems, and insecure remote access. Organizations with unresolved contingencies are 2.53 times more likely to experience claims. Coalition enables faster contingency resolution by providing prospective policyholders with pre-bind access to Coalition Control, allowing them to review findings and receive expert guidance before binding.
Brokers receive scan results from Coalition, must manually identify critical findings (contingencies), communicate with clients about remediation, track resolution status, and verify fixes before renewal.
Contingency categories are not always clearly labeled in reports; determining which findings are binding contingencies vs. optional improvements requires interpretation; tracking remediation across multiple client stakeholders is manual and time-consuming.
Structured list of binding contingencies with remediation pathways, evidence requirements, and CLI/API integration to verify fixes automatically.
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Use Carrier Decoder →“Coalition empowers brokers to extend access to Coalition Control to prospective clients pre-bind to help make contingency resolution faster and easier.”
“Critical security findings are the only ones that impact insurability and are typically contingencies.”
“If vulnerabilities are not fixed over a period of time, they will lead to contingencies at renewal.”