Coalition filed a rate and rule update for its Idaho cyber program on January 20, 2026, effective April 16, 2026 for new business and May 21, 2026 for renewals. The filing removes two security-related surcharges (no backup and restore, no data encryption), keeps rates neutral overall, and raises the optional credit card processing fee from 2.5% to 4% to reflect vendor costs.

Coalition has 170 policyholders in Idaho with $344,465 in written premium, and about 3.1% of policies pay by credit card. Regulators noted the company had not filed a rate change since 2023, even as the cyber product continued to evolve.