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

At-Bay writes primary and excess Tech E&O up to $10 million and takes submissions by email or its Broker Platform; Amelia Risk is a brokerage that approaches insurers for you and lets you decide on the quotes.

At-Bay gives tech companies with up to $5 billion in revenue Tech E&O with up to $10 million, no exclusion for warranty or consequential-damage claims, and Stance security services on every policy; Amelia Risk is a broker that shops the line across insurers for you. Amelia Risk publishes no limits or policy terms. ^6,^7,^5,^3,¹

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

Published Contract Terms vs a Broker's Search

At-Bay says its Tech E&O broadens breach-of-contract cover, has no exclusion for warranties, guarantees or consequential damages, and extends IP cover to trade-secret misappropriation. Amelia Risk, a brokerage, describes Tech E&O only as cover when your product or service fails and costs a client money, then gathers your information, approaches insurers and reviews quotes with you. Choose At-Bay if your customer contracts carry warranty or consequential-damage exposure; choose Amelia Risk if you're an early startup that wants a broker to compare options. ⁵ ¹ ³

Security Services and Size Limits

Every At-Bay Tech E&O policy includes At-Bay Stance: vulnerability monitoring, virtual CISO advice, tabletop exercises and awareness training. At-Bay writes primary and excess Tech E&O for companies with up to $5 billion in revenue and limits up to $10 million, but its automated broker quotes stop at $100 million in revenue and $3 million in limits; above either, expect underwriter review. Amelia Risk describes no security services and publishes no limits. ⁵ ¹

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

Ask both for the insurer on your quote; At-Bay's product page doesn't name one, and a 2023 announcement said eligible new business moved to its own insurer. ¹ ⁵ ⁷
Ask Amelia Risk how its proposed form treats warranty, consequential-damage and trade-secret claims, and compare with At-Bay's. ⁵ ¹
Ask At-Bay who handles a professional-services E&O claim; its claims page focuses on cyber incidents. ⁵ ⁸
Ask Amelia Risk for limits in writing. ⁵ ¹

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

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

Criteria	Technology Errors and Omissions	At-Bay Tech E&O Insurance
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	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. ⁵Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	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. ⁵Company-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. ⁵Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	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. ^6,⁷Company-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.

Criteria

Technology Errors and Omissions

At-Bay Tech E&O Insurance

How to Apply

Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.

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. ⁵Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

Coverage Features

Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.

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. ⁵Company-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. ⁵Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

Role in This Line

Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.

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. ^6,⁷Company-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.