eSure.ai vs Coalition Insurance
Coalition provides cyber insurance. eSure.ai provides insurance + active protection that prevents attacks before they happen—then pays faster when coverage is needed.
| Feature | eSure.ai | Coalition |
|---|---|---|
| Active Threat Prevention | 24/7 AI monitoring | Insurance only |
| Claims Payout Time | 15 days | 60-120 days |
| Small Business Coverage | $100K-$1M | $250K-$15M |
| Individual/Family Plans | Available | Business only |
| Underwriting Process | 5 minutes | 2-4 weeks |
| Security Requirements | Built-in automatically | You must implement |
| Endpoint Protection Included | Advanced AI platform | Must buy separately |
| 24/7 SOC Monitoring | Included | Not included |
| Policy Exclusions | Minimal, clear terms | Many exclusions |
| Pricing Model | Simple, transparent | Complex, custom quotes |
The Critical Difference: Prevention vs Response
Coalition: Insurance-Only Approach
Coalition provides excellent cyber insurance but doesn't actively protect your systems. You still need to:
- ✗ Purchase separate endpoint protection ($3,000-$10,000/year)
- ✗ Implement MFA, EDR, backups yourself
- ✗ Manage security tools and updates
- ✗ Wait 2-4 months for claims payout
- ✗ Navigate complex policy exclusions
Total Annual Cost:
Coalition premium: $2,500
+ Endpoint security: $5,000
+ IT management time: $3,000
+ Endpoint security: $5,000
+ IT management time: $3,000
= $10,500/year
eSure.ai: Integrated Protection + Insurance
Everything you need in one platform—no separate vendors, no security gaps, no lengthy claims process:
- ✓ Advanced endpoint protection built-in
- ✓ 24/7 SOC monitoring included
- ✓ All security requirements automated
- ✓ 15-day claims payout guaranteed
- ✓ Simple, clear coverage terms
Total Annual Cost:
eSure.ai all-inclusive: $2,388
+ Additional software: $0
+ Management time: $0
+ Additional software: $0
+ Management time: $0
= $2,388/year
Real Business Scenario
Your Business Suffers a Ransomware Attack
With Coalition Insurance
Day 0: Attack Happens
Ransomware encrypts your systems
Day 1-7: Emergency Response
Pay $10K out of pocket for forensics
Day 7-30: Claims Filing
Gather documentation, submit claim
Day 30-90: Investigation
Coalition investigates, requests more docs
Day 90-120: Payment
Finally receive reimbursement
Business Impact:
4 months of cash flow strain
Potential business closure
With eSure.ai
Day 0: Attack Prevented
AI detects and blocks ransomware
If Attack Succeeds:
Automated incident response activates
Day 1-5: Assessment
AI analyzes damage automatically
Day 5-15: Recovery
Expert team handles restoration
Day 15: Payment
Funds in your account
Business Impact:
Minimal disruption
Operations continue normally
Why Choose eSure.ai Over Coalition?
77% Lower Cost
$2,388/year vs $10,500/year for equivalent protection + insurance
8x Faster Payout
15 days vs 120 days—get money when you need it most
Prevention First
Stop attacks before they happen instead of just paying after