3 New Ways You Can Get to Bind Faster

Time is tight for every broker. Long cyber insurance applications, back‑and‑forth on missing information, and unclear contingencies can all slow you down when you’re trying to get a quote out the door. And for many SME clients, long, technical apps can be a non-starter, especially for first‑time cyber buyers. 

To help you move from submission to bind with less friction, Coalition has introduced three new enhancements in Broker IQ:

• Shorter cyber applications for SMEs: A condensed question set for businesses under $25M that helps you complete submissions faster 

• Quick “no domain” attestation: A simple way to tell us when a client truly has no website so qualifying quotes release as active, not contingent

• Clearer contingency guidance: Plain‑English explanations, time‑to‑fix estimates, and supporting resources for each issue, so you can confidently coach clients through remediation

Together, these changes are designed to help you quote more business, respond to questions faster, and be the easiest partner for your clients to work with.

1. Shorter cyber applications for SME accounts

For eligible SME accounts (businesses under $25M), Coalition now offers a shortened cyber application in Broker IQ. Instead of a lengthy, one‑size‑fits‑all questionnaire, you’ll see a condensed, right‑sized question set tuned to smaller businesses’ risk profiles.

Behind the scenes, we’re still collecting the information needed to underwrite and price the risk appropriately, but we’re focusing on the questions that matter most for this segment. For most industries, you’ll see just two required questions about prior and potential claims, with a few extra questions only for higher‑risk segments like tech, healthcare, and certain hospitality classes.

However, if you want to explore options for additional premium savings, you can also choose to answer optional questions about multi‑factor authentication (MFA) and dual financial controls. 

The result is a quoting experience that feels as fast as your most competitive cyber markets, while still preserving Coalition’s underwriting discipline. You spend less time on data entry, your clients spend less time on forms, and you’re better positioned to consistently include cyber options for SMEs that might otherwise never make it onto the agenda.

Where it’s available: Short applications are currently available for eligible cyber submissions in the US, and are coming soon to Canada (excluding Quebec).

2. Quick 'no website' attestation for true no‑domain accounts

Not every small business has a website or registered domain — think local trades, professional services, or offline operations. Historically, those “no‑domain” submissions created friction: quotes would release as contingent, you’d go back and forth to confirm there really was no domain, and only then would the quote move to active.

To help remove that friction, Broker IQ now includes a quick “no website” attestation for true no‑domain accounts.

How it works

When you’re completing a cyber submission and a client genuinely has no web domain, you can now:

1. Indicate “no website” directly in the submission flow

2. Attest to that status in Broker IQ

3. Receive a quote that automatically releases as active — rather than contingent — so long as there are no other underwriting reasons to hold it back

This is designed to remove the need for manual intervention and helps you move small, offline clients from submission to an active, bindable quote in a single pass without losing momentum over a missing URL.

3. Clearer contingency guidance in Broker IQ

Contingencies are a powerful part of Coalition’s Active Insurance model because they help clients fix real security issues — but they can be tough to explain. They’re often technical, time‑sensitive, and tied to security controls that aren’t familiar to every client.

The updated contingency experience in Broker IQ is designed to make those conversations easier. Instead of dense, technical subjectivities, you now see plain‑English explanations, why each issue matters, and time‑to‑fix estimates so you can quickly tell whether something is a five‑minute change or a larger project.

For each contingency, Broker IQ surfaces tailored resources — guides, videos, and case studies — that you can share directly with clients to help them resolve the issue.

With this information in hand, you’re now equipped to turn contingencies into an opportunity to demonstrate your value as a proactive cyber advisor. The result is a clearer, more confident client conversation, and a smoother path from contingent quote to bound policy.

How these updates work together for you

Taken together, these enhancements are all about the same thing: helping you get to active, bindable quotes faster while elevating your role as a cyber advisor. With less time spent wrangling forms, chasing manual workarounds, or decoding technical subjectivities, you can focus on what matters most: bringing more clients into the cyber market, guiding them toward better protection, and standing out as an easy, proactive advisor. 

AUTOMATE THE ADMIN. LEAD WITH EXPERTISE.

Meet Broker IQ

Activate your account or log in today >

This blog post is designed to provide general information on the topic presented and is not intended to construe or render legal or other professional services of any kind. Any action you take upon the information contained herein is strictly at your own risk. Coalition and its affiliates will not be liable for any losses and damages in connection with our use or reliance upon the information.

Insurance products are offered in the U.S. by Coalition Insurance Solutions, Inc., a licensed insurance producer and surplus lines broker (Cal. license # 0L76155) acting on behalf of a number of unaffiliated insurance companies, and on an admitted basis through Coalition Insurance Company, a licensed insurance underwriter (NAIC # 29530). See licenses and disclaimers.  In Canada, Insurance products are offered in Canada by Coalition Insurance Solutions Canada, Inc. (“CIS Canada”), a licensed insurance producer in all Canadian provinces, with a principal place of business in Vancouver, British Columbia (Canada) (license #LIC-2020-0020925-R01) acting on behalf of a number of unaffiliated insurance companies. Insurance products offered through CIS Canada may not be available in all provinces. See licenses and disclaimers. CIS Canada receives commission from insurers listed on each policy in connection with the sale of insurance to the policyholder. 

Copyright © 2026. All rights reserved. Coalition and the Coalition logo are trademarks of Coalition, Inc.