---
title: "Alliance Risk vs At-Bay Cyber Insurance"
description: "At-Bay names its own carrier for eligible E&S business; Alliance Risk places cyber with unnamed outside insurers."
canonical: "https://spot.insure/compare/alliance-risk-vs-at-bay/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber)

# Alliance Risk vs At-Bay Cyber Insurance

At-Bay names its own carrier for eligible E&S business; Alliance Risk places cyber with unnamed outside insurers.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and At-Bay for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

At-Bay says it issues eligible excess-and-surplus cyber business on its own carrier paper alongside its producer role, while Alliance Risk's cyber page does not name the insurer behind a placement. [8](https://www.at-bay.com/licenses/ "Licenses") [9](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") [4](https://joinalliancerisk.com/coverages/ "Alliance Products")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [5](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [6](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Who Carries the Risk

Alliance Risk arranges cyber programs as a brokerage and does not name an insurer on its cyber page; it lists carriers active in the broader cyber market as general education, not as its own panel. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") At-Bay is licensed as an insurance producer in all 50 states through At-Bay Insurance Services LLC, and it has also said that eligible new excess-and-surplus cyber business has been issued on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. [8](https://www.at-bay.com/licenses/ "Licenses") [9](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper")

### Security Services: Included or Metered

Alliance Risk says its cyber programs often come bundled with vendor services such as vulnerability scans, employee security training and phishing simulations, without specifying which programs include them. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") At-Bay pairs every policy with its Stance platform, which includes vulnerability monitoring and a fraud-defense sub-limit at the base Core tier; reaching the Advanced or Complete tiers requires a separately purchased managed detection and response subscription billed at $16 or $25 per user per month.

At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions..)

### Sizing a Quote

Alliance Risk's cyber page publishes a general recommended-limit table by business profile, from $500,000–$1 million for sole proprietors to $5 million or more for healthcare and finance companies, and routes buyers to a quote or consultation call to action. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") At-Bay publishes actual appetite ceilings instead: primary and excess cyber for businesses up to $5 billion in revenue and $10 million in limits, with automated Broker Platform quotes capped at $100 million in revenue and $3 million in limits, submitted by emailing its underwriting team or using the platform. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What to Confirm in Cyber Insurance Quotes

- Ask Alliance Risk which carrier would issue the policy and whether its incident-response planning and vendor-service bundle apply to your program. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay")
- Ask At-Bay whether your account would be issued on At-Bay Specialty Insurance Company paper or placed with another carrier, and under which route. [9](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper")
- Get the exact InsurSec tier and MDR subscription cost included in an At-Bay quote before comparing it to Alliance Risk's bundled guidance. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Confirm which limit and retention Alliance Risk is actually quoting against its published guidance table for your business profile. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay")

## Offering Details

| Criteria | Alliance Risk Cyber Liability Insurance | At-Bay Cyber Insurance |
| --- | --- | --- |
| Role in This Line | Alliance Risk designs cyber programs backed by breach response planning, forensic support and advisory, as a brokerage that arranges placement rather than underwriting the policy itself. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Cyber product page, opening section, and the general brokerage disclosure on the coverage catalogue page..) | At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. [8](https://www.at-bay.com/licenses/ "Licenses") [9](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote..) |
| Issuing Insurer | The cyber page does not name the insurer that would issue an Alliance Risk-placed cyber policy. It separately lists carriers active in the broader cyber market, including Chubb, AIG, Coalition, Hiscox and others, as general market education rather than as Alliance's own carrier panel. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Not publicly disclosed; scope: Cyber product page, Choosing Cyber Insurance Carriers and Brokers section, as read on 2026-09-23..) | The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [9](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) |
| Coverage Features | Alliance Risk's cyber offering combines first-party coverage (data recovery, business interruption, breach notification, credit monitoring, forensic investigation, crisis management and cyber extortion or ransomware payments) with third-party coverage (legal defense, settlements and judgments, regulatory fines and penalties, PCI-DSS assessments, and media liability). [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page, First-Party vs. Third-Party Cyber Coverage section; actual policy structure depends on the carrier and the policy as issued..)<br><br>Alliance Risk says its cyber programs include coverage for legal expenses and fines imposed by data protection authorities such as the FTC, HIPAA enforcers or GDPR enforcers. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page, The Alliance Risk Difference section..) | At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions..) |
| Limits and Retentions | Alliance Risk's cyber page says most small businesses buy $1 million per-occurrence and $1 million aggregate limits with roughly $2,500 deductibles, and it publishes a recommended-limit table by business profile, ranging from $500,000-$1 million for sole proprietors to $5 million or more for healthcare and finance companies. These are general guidance, not a quoted limit for a specific business. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page, How Much Cyber Insurance Do You Need? section..) | At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) |
| Risk Services | Alliance Risk says it provides dedicated incident response planning ahead of a breach, with designated forensic, legal and notification vendors on standby, along with data exposure and network vulnerability analysis. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page, Our Approach to Cyber Liability and The Alliance Risk Difference sections..)<br><br>Alliance Risk says its cyber programs often come bundled with proactive security services from cybersecurity vendors, such as vulnerability scans, employee security training and phishing simulations. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page, The Alliance Risk Difference section..) | Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change..) |
| How to Apply | You request a cyber quote or book a risk assessment with an Alliance Risk advisor through the calls to action on the cyber product page; the page does not list specific underwriting information required for a cyber submission. [3](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page quote and consultation calls to action..) | You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. [7](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings..) |
| Claims Support | Not described in the reviewed sources. | At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. [10](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Company-reported; scope: Claims-handling page process description; does not establish claim outcomes or payment speed..) |

## Full Comparison

- [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Alliance Risk vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/professional-errors-omissions)
- [Alliance Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/technology-errors-omissions)
- [Alliance Risk vs Amelia Risk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cyber)
- [Alliance Risk vs Beazley Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/cyber)
- [Alliance Risk vs CFC Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/cyber)
- [Alliance Risk vs Chubb Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/cyber)
- [Alliance Risk vs Coalition Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/cyber)
- [Amelia Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/cyber)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Cyber Liability Insurance: Costs, Limits & What You'll Pay](https://joinalliancerisk.com/cyber-liability-insurance/). Alliance Risk; Cyber Liability Insurance That Moves at the Speed of Risk; Our Approach to Cyber Liability; The Alliance Risk Difference; What Cyber Insurance Covers; How Much Cyber Insurance Do You Need?; First-Party vs. Third-Party Cyber Coverage; Choosing Cyber Insurance Carriers and Brokers. Accessed 2026-09-23.
4. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.

### At-Bay

5. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
6. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
7. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
8. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
9. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
10. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)