Coalition begins the renewal process 90 days before your client's policy expires. At that point, each account is placed on one of three renewal paths based on its size, risk profile, and prior renewal history.
| Renewal Path | What you need to do | Policy issued |
| Automatic | Nothing — unless revenue exceeds the threshold in our renewal email | 7 days prior to expiration |
| Express | Answer 3 short questions | 7 days prior to expiration, once renewal information has been confirmed |
| Standard |
Submit a bind order and an updated, signed renewal application. Note: Submission of a Ransomware Supplemental Application (RSA), resolution of subjectivities/contingencies, and completion of an underwriting review are required for some accounts. |
When renewal steps are completed, no earlier than 30 days prior to expiration |
Automatic Renewals
For Automatic Renewals, no action is required unless the revenue exceeds the threshold listed in our renewal emails. Coalition handles automatic renewals end-to-end.
Note: Some automatic renewals may be priced higher or lower than the expiring premium
90 days before expiration, we'll send you:
- A renewal quote
- An updated Cyber Risk Assessment
- An updated loss run
- A Year-Over-Year Changes document summarizing key differences from the expiring policy
The policy is issued 7 days before expiration.
Assuming there is only one renewal quote, no action is needed from you or your insured unless the account's revenue has exceeded the threshold noted in our renewal emails. If you request multiple quote options, you will need to tell Coalition which one to bind.
You'll see this progress tracker in your renewal emails as your renewal moves through each stage.
Who qualifies?
To qualify for Automatic Renewals, accounts must meet all of the following:
- Annual revenue at or below the threshold indicated in our renewal email
- Aggregate policy limits up to $5M
- No Coalition claims
- Fewer than 500,000 PII/PHI records stored, processed, transmitted, or accessible
- Fewer than 500,000 payment cards stored, processed, transmitted, or accessible
- Appropriate security controls as assessed through Coalition's Active Insurance Scanning
Express Renewals
For Express renewals, you must answer 3 short questions.
Rather than a full application, we ask you to confirm a few key data points so we can price the renewal accurately.
Important: To submit your responses, reply to your renewal email at renewals@coalitioninc.com. The option to complete your Express Renewal directly in the Broker Platform is coming in Q2 2026.
| Question | What to expect |
| What is the insured's current revenue? | If revenue is over $50M, the account will be moved to Standard Renewal |
| Have any new domains been added since last year? | If yes, Coalition will re-scan the account, which may affect pricing or add contingencies. |
|
Have there been any changes to business operations? For any changes, please provide details and any relevant supporting documentation if appropriate.
Business operation changes include: M&A activities (mergers, acquisitions, divestitures), the addition of new business lines, or other revenue-impacting changes. |
If yes, an underwriting review will be triggered |
Once you respond (or confirm nothing has changed), Coalition will:
- Update the underwriting file
- Issue a renewal quote and Year-Over-Year Changes document
The policy is then automatically bound and issued 7 days before expiration, provided an active quote is in place.
Important: Until we receive your response, the Express Renewal quote will not bind and the account cannot be renewed.
You'll see this progress tracker in your renewal emails as your renewal moves through each stage.
Who qualifies?
Coalition places accounts on the Express path at our discretion based on size, risk profile, and prior renewal behavior. Some accounts that previously renewed automatically or via Standard Renewal may move to Express over time. Brokers cannot request to move specific accounts onto the Express path.
Standard Renewals
For Standard Renewals, you must submit a bind order and an updated, signed renewal application for every account. Submission of a Ransomware Supplemental Application (RSA), resolution of subjectivities/contingencies, and completion of an underwriting review are required for some accounts.
Standard Renewal involves a full re-underwriting based on current information. Here's how the timeline works:
| Timing | Milestone |
| 90 days before expiration |
Coalition sends
Conditional non-renewal or non-renewal decisions communicated (if applicable). |
| At least 30 days before expiration | Updated quote issued (or preliminary indication based on expiring info if application not yet returned) |
| On expiration date | Policy effective, if renewed |
Please return the completed application as soon as possible. Any quote issued before receiving updated information is subject to change.
Along with your quote, Coalition provides a Year-Over-Year Changes document summarizing key differences from the expiring policy.
You'll see this progress tracker in your renewal emails as your renewal moves through each stage.
Who qualifies?
Any account that does not qualify for Automatic Renewal or Express Renewal follows the Standard Renewal process. A blank renewal application is available if needed.
Additional Information
Excess renewals
The excess renewal process mirrors Standard Renewal, with one addition: before a quote can be issued, we need copies of all underlying renewal quotes and loss runs. Year-Over-Year Changes documents are not provided for excess renewals.
Regulatory requirements
For all non-admitted placements, regulatory requirements associated with the policy remain the broker's responsibility.
New Jersey Requirements
All New Jersey accounts placed on a non-admitted (Surplus Lines) basis are required to provide an NJ SLA in addition to the steps listed below.
Questions?
Contact the Coalition Renewals Team at renewals@coalitioninc.com.