Abstract: A halogen-free, non-intumescent, fire retardant coating composition is provided, said coating composition comprising (a) a (meth)acrylate polymer, wherein the glass transition temperature Tg of the (meth)acrylate polymer is at least 45° C., measured with MDSC at 5° C./min as described in the description, (b) a polyurethane, wherein the polyurethane is based on a polycarbonate polyol, and (c) ammonium polyphosphate (APP). The coating composition has a long storage stability and results in coatings with good fire retardant properties, mechanical strength and chemical and stain resistance. The coating composition contains only halogen-free fire retardants for environmental safety and toxicity reduction. The coating composition can be used for various substrates including plastic, composite, and metal substrates, and is especially suitable for cabin coatings.