Coalition takes a fixed fee out of your premium payments which we use to pay commissions to your insurance broker, compensate our incredible team, and invest in technology and resources to help you, our customers. Our fees do not increase or impact the premium of your policy. The remainder of the premium is distributed to our carrier partners, Swiss Re, Arch, Lloyd's of London, and Argo.
We also receive additional payments from our carrier partners based on the loss ratio (total losses divided by total premium) of our policyholders as a group during each year.
This gives us a strong incentive to not only help our customers prevent losses before they occur, but also to provide expert assistance to mitigate losses during and after an incident should one occur.
This way, our customers get more than just an insurance policy–they get a true partner in resiliency who shares their same incentives to prevent and mitigate losses.