Coalition Insurance Company has launched its Cyber Policy 3.0 program in Tennessee, extending its admitted cyber insurance offering for small and medium-sized businesses. The program, approved on November 29, 2022, under SERFF Tracking Number COAL-133465579, includes more than 70 endorsements and forms tailored to modern cyber risks.

Key coverage features include:

• Bodily Injury & Property Damage coverage tied to cyber events
• Contingent Business Interruption for IT and non-IT vendors
• Coinsurance clauses for extortion expenses and unremediated vulnerabilities
• Expanded insured definitions to include portfolio companies and senior exec staff
• Pollution coverage carve-outs under cyber liability triggers
• Franchisor, biometric privacy, and sovereignty-specific amendments
• TN-specific cancellation and renewal procedures compliant with state laws

Coalition’s filings reflect its broader strategy of coupling real-time cyber risk analytics with comprehensive, modular insurance solutions tailored for SMBs. The program was developed using claims data from over 100,000 policies and $300M in earned premium written across all 50 states.