The filing, submitted April 15, 2026, keeps overall pricing essentially flat while introducing an updated rating framework and underwriting logic. New business is targeted for August 16, 2026, with renewals beginning September 20, 2026.

At a high level, Coalition is leaning further into a configurable cyber product built around a required core and a broad set of optional add-ons, including business interruption, cyber extortion, funds transfer fraud, reputational harm, and endorsements tied to system failure or vendor risk. The structure allows brokers and partners to tailor coverage to how a business actually operates rather than relying on a standardized package.

Pricing is driven by inputs such as company size, revenue, number of records handled, security posture, and technology risk exposure. The filing also highlights the role of cybersecurity controls, with programs that adopt standardized security tooling receiving more favorable treatment, pointing to deeper integration with security vendors and platforms.

In California, the book remains relatively small, with about 2,322 policyholders and roughly $5.1 million in written premium, suggesting room for expansion. The minimum premium is $150, reinforcing a strategy focused on smaller businesses and scale.