Coalition Insurance Company has secured approval in Arkansas for its Cyber Policy 3.0 program targeting small and medium-sized businesses. The admitted cyber program, filed under SERFF Tracking Number COAL-133471157, includes more than 70 approved forms and endorsements, allowing for tailored risk protection across a wide array of cyber threats.

Key highlights of the Arkansas program include:

• Bodily Injury and Property Damage coverage resulting from a cyber event (first- and third-party).

• Coinsurance options tied to extortion and unremediated security vulnerabilities.

• Enhanced definitions of insureds, including senior executive staff, portfolio companies, and independent contractors.

• Pollution carveback coverage for cyber-triggered environmental liability.

• Biometric privacy and wrongful data collection exclusions with carvebacks for covered claims.

• Franchisor and sovereignty-specific endorsements, addressing unique risk exposures.

• Extensive cyber-specific forms, such as breach response, PCI fines, reputation repair, and contingent business interruption for both IT and non-IT vendors.

The program is part of Coalition’s broader effort to modernize cyber insurance delivery through a mix of real-time threat intelligence, risk mitigation tools, and modular insurance coverage.