Overview of direct billing
What is the difference between direct billing and agency pay?
Direct billing: When a business pays their policy invoice directly with Coalition Inc. through the payment portal or Coalition Control®. Business policyholders can also easily view and manage their previous and upcoming payments in Control.
Agency pay: When a business policyholder is invoiced by their insurance broker for their Coalition Inc. policy and submits their payment through their broker agency.
What policies are eligible for direct billing?
At this time, only U.S. admitted Cyber and Executive Risks policies are eligible for direct billing. If you have other policies (including those in non-U.S. locations (i.e., Canada, UK, Australia) and surplus (non-admitted) policies), you will continue using agency pay for those payments.
How do I know if my policy is enrolled in direct billing or agency pay?
Your broker should communicate terms of payment with you when you first bind your policy, or notify you of any changes prior to renewal. Please reach out to your broker, or contact billing@coalitioninc.com for any further questions.
My broker’s agency opted in to direct billing. Can I still pay my invoice through the agency?
The ability to change the billing type of a specific policy is not available at this time. As your broker’s agency has opted into direct billing, all eligible policies must be invoiced through direct billing.
Managing your payments
If I’m enrolled in direct billing, how do I pay for my policy?
You will receive billing emails from billing@coalitioninc.com with payment steps. You can pay via credit card* or ACH through the secure payment portal linked in the emails, or by logging into Coalition Control and navigating to “Manage Payments” under the user icon in the top right corner. ACH payments are the only payment method currently available for Executive Risks policies.
*Please note that credit card payments may be subject to additional transaction fees.
When are payments due?
The payment due date for policies that use direct billing is on the bind date or policy effective date, whichever is later. Your due date will be listed in your billing emails and attached invoices.
Where can I see my payment history and upcoming bills?
The primary policy signer at your business can make payments, download invoices, view their payment history, and see upcoming bills by logging into Coalition Control.
After logging in, click the profile icon in the top right corner of your screen. Then navigate to “Manage Payments” in the dropdown to manage your payments.
Can I pay my invoice without logging into Control?
Yes, you can pay your invoice by using the link to the secure payment portal provided in your billing emails. You can also download the invoice attached in the emails.
When will I be notified that a payment is due?
After your renewal policy is bound and confirmed, Coalition will send you and your broker emails with an invoice attached, as well as a link to our secure payment portal. You will also receive reminder payment emails starting 5 days before your invoice is due.
What happens if a payment is overdue?
Coalition must adhere to strict remittance guidelines enforced by our insurance carrier that requires us to send a Notice of Cancellation (NOC) to policyholders for any invoice not paid within ten (10) days of the invoice due date (Outstanding Invoice). In the event of an Outstanding Invoice, an NOC will be issued to you and your policyholder notifying both respective parties that the policy will be canceled fifteen (15) days after the NOC, if the policy remains unpaid.
Who can I contact with questions regarding payment?
You can reach out to your insurance broker for additional information, or reach out to Coalition at billing@coalitioninc.com with any questions.