Alliance Risk vs At-Bay: How Do They Compare for Tech E&O Insurance?

At-Bay writes Tech E&O up to $10 million with its Stance security platform included; Alliance Risk, a placement partner, cites typical limits from $250K/$500K for a freelancer to $2M/$3M+ for a SaaS company with many users.

Alliance Risk offers specialist policy review and illustrative limits up to $3 million-plus; At-Bay serves firms up to $5 billion in revenue with limits up to $10 million and bundled security services. ^1,²

What Are the Key Differences Between Alliance Risk and At-Bay Tech E&O Insurance?

Broker Shop Versus At-Bay Paper

Alliance Risk specializes in placing Tech E&O and markets the risk to unnamed technology E&O carriers. At-Bay places Tech E&O through At-Bay Insurance Services LLC and said in August 2023 that eligible new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper. ¹ ³ ⁴

An Alliance Risk quote is a third-party placement. An At-Bay quote may be At-Bay Specialty paper, subject to today’s declarations; At-Bay’s current product materials still do not name an issuing insurer per quote. ¹ ²

Contract and IP Terms Versus a General Cover List

At-Bay says its Tech E&O expands breach-of-contract coverage beyond a standard technology liability policy and carries no exclusion for breach of warranties, guarantees or consequential damages. Alliance Risk describes cover for failure to perform and errors in deliverables, including biased or incorrect AI outputs, and excludes cyberattacks. ² ¹

At-Bay’s and Alliance Risk’s coverage lists are not the same form. Compare specimens rather than labels. ² ¹

Limits, Services and Intake

Alliance Risk describes typical limits from $250K/$500K for a freelancer up to $2M/$3M+ for a multi-user SaaS company and a $2,500 standard deductible for small firms. At-Bay says it writes primary and excess Tech E&O for businesses with revenue up to $5 billion and limits up to $10 million. ¹ ²

Every At-Bay Tech E&O policy includes Stance, a security platform with vulnerability monitoring and vCISO advisory. Alliance Risk offers a no-charge review of an existing Tech E&O policy and asks for largest contracts; At-Bay submissions go by email to underwriting or through the Broker Platform. ² ¹

What Should You Confirm in Alliance Risk and At-Bay Tech E&O Insurance Quotes?

Get the issuing insurer: unnamed Alliance Risk markets versus possible At-Bay Specialty paper. ¹ ⁴
Compare contract, warranty and IP wording on both specimens. ² ¹
Ask whether At-Bay Stance is included and whether Alliance Risk’s placement includes any security platform. ² ¹
Confirm which limit band applies: Alliance Risk’s illustrative ranges versus At-Bay’s $10 million appetite ceiling. ¹ ²

Alliance Risk vs At-Bay Tech E&O Insurance Compared

Alliance Risk vs At-Bay: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	At-Bay Tech E&O Insurance
Limits and Retentions	Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. ¹Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.	At-Bay says it writes primary and excess Tech E&O 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. ²Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.
How to Apply	For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. ¹Company-reported. Tech E&O page, "What We Need for Your Quote" section.	You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ²Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ¹Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ²Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ²Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ¹Company-reported. Tech E&O page opening description.	At-Bay places Tech E&O 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) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^3,⁴Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.
Risk Services	Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. ¹Company-reported. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections.	Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. ²Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.