--- title: "Armilla vs At-Bay" description: "Compare AI performance remedies with technology E&O service-credit coverage and cyber security services." canonical: "https://spot.insure/compare/armilla-vs-at-bay" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Armilla", "At-Bay"] --- [Human-readable page](https://spot.insure/compare/armilla-vs-at-bay) # Armilla vs At-Bay Compare AI performance remedies with technology E&O service-credit coverage and cyber security services. ## Research Scope and Use Use this comparison to evaluate Armilla and At-Bay against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Armilla separates AI liability insurance from performance warranties. At-Bay markets combined technology E&O and cyber coverage, including specified service-credit damages, with Stance security services subject to separate fee and endorsement terms. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [15](https://www.at-bay.com/stance/ "At-Bay Stance") ## Introduction An enterprise customer may demand service credits when an AI product underperforms. At-Bay’s technology E&O highlights describe service credits issued to settle a claim as payable damages, subject to the policy. Armilla’s performance warranty concerns agreed AI metrics and contractual remedies. Those descriptions invite a precise comparison of the customer promise and the event that makes money payable. [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") ## Documented Provider Strengths ### Armilla - Dedicated liability coverage for AI model and agent failures [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.) - Model assessments with remediation support and optional retesting [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.) ### At-Bay - Tech E&O combines professional liability and cyber protection. [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.) - Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [15](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Armilla | At-Bay | | --- | --- | --- | | Cyber liability | Not listed | Listed [11](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | | Generative AI liability | Listed [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed | | Professional liability / E&O | Not listed | Listed [12](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | | Technology errors and omissions | Not listed | Listed [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | | Umbrella and excess liability | Not listed | Listed [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Armilla and At-Bay ### A Claim Settlement Is Not an Automatic Performance Refund At-Bay combines professional liability and cyber coverage, with examples including coding errors, failed implementations and contractual indemnity. Its service-credit wording should be examined in the context of a claim and its settlement. Armilla’s warranty is explicitly distinct from insurance and has its own performance conditions. Ask whether a credit owed automatically under your customer contract satisfies either mechanism; do not infer coverage merely because both descriptions mention a financial remedy. [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") Armilla also markets AI liability insurance. That creates a possible policy comparison with At-Bay’s technology E&O, separate from the warranty comparison. Submit the same customer contract and failure scenario for both policy reviews, keeping any warranty proposal in its own column. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") ### Current Appetite Matters for Autonomous Products At-Bay’s accessible legacy appetite document lists autonomous AI among restricted classes, but it is a historical document with lower ceilings than the current product page. It is not reliable proof that your current application will be rejected. Ask underwriting for the applicable version and a written response to the actual autonomous functions. Armilla’s AI focus likewise does not guarantee acceptance of every model or use case. [20](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") The At-Bay product page and broker platform also publish different appetite ceilings. A company outside the portal’s limits should clarify the underwriting route rather than equating a platform limit with the full product appetite. Armilla describes assessment and tailoring instead of an instant binding route. [14](https://www.at-bay.com/brokers/platform/ "Broker Platform") [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") ### Budget Separately for the Technical Services At-Bay Stance ties access to an Embedded Security Fee and Endorsement; optional managed detection and response is a separate security purchase. Armilla’s assessments examine AI performance, fairness, security and robustness. A finance team should identify the deliverables and charges for each rather than comparing an insurance premium with an assessment-inclusive total. These services address different technical work. [15](https://www.at-bay.com/stance/ "At-Bay Stance") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") ## What to Confirm in Quotes - Supply the actual service-credit clause and ask about claim, consent, settlement and warranty-remediation conditions. [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") - Obtain current autonomous-AI appetite and the California issuer; At-Bay’s 2023 own-paper announcement does not identify every current quote. [20](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [19](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") [1](https://www.armilla.ai/ "Armilla: AI Insurance") - Itemize premium, embedded security fee, optional MDR, producer charges and assessment or warranty costs. [15](https://www.at-bay.com/stance/ "At-Bay Stance") [18](https://www.at-bay.com/terms-of-service/ "Terms of Service") [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") ## Service Comparison Armilla vs At-Bay: documented services and availability. | Criteria | Armilla | At-Bay | | --- | --- | --- | | Business role | Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)

Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [9](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [13](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | | Application process | Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [14](https://www.at-bay.com/brokers/platform/ "Broker Platform") [12](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | | Servicing and renewals | Armilla Verified evaluates model performance, fairness, security and robustness. Armilla describes scoping, testing, remediation support and an internal report, with a badge conditional on meeting benchmarks. Optional monitoring and retesting are offered as models change. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.)

The reviewed assessment and insurance pages do not disclose insurance renewal procedures or whether ongoing model monitoring is included in the premium. Optional assessment support should be priced and scoped separately in the proposal. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Not publicly disclosed; scope: Limited to public product and assessment pages reviewed September 16, 2026.; verified: 2026-09-16.) | At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. [15](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. [15](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)

At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. [14](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) | | Fees and compensation | Armilla advertises commissions to brokers without publishing rates on the reviewed broker page. Its website terms allow service fees but do not provide an insurance-specific fee schedule. Premiums, assessment costs and any broker or policy charges need an itemized quote. [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") (Evidence: Company-reported; scope: Public broker compensation and generic website fees, not a policy-specific compensation disclosure. Company-reported commission model; amounts unresolved.; verified: 2026-09-16.) | Stance access uses an Embedded Security Fee and Endorsement, while MDR is separately purchased. Security costs should be distinguished from the insurance premium and any broker charges. [15](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Does not describe included security as free or quote an unverified fee amount.; verified: 2026-09-16.)

Commission rates, broker compensation arrangements and a complete placement-fee schedule were not disclosed in the reviewed product, platform and US terms pages. This does not establish that commissions or fees are absent; request an itemized quote and compensation disclosure. [10](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [14](https://www.at-bay.com/brokers/platform/ "Broker Platform") [18](https://www.at-bay.com/terms-of-service/ "Terms of Service") (Evidence: Not publicly disclosed; scope: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified: 2026-09-16.) | ## Related Reading - [What Is Armilla?](https://spot.insure/insurance-providers/armilla) - [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay) ## Related Comparisons - [Alliance Risk vs Armilla](https://spot.insure/compare/alliance-risk-vs-armilla) - [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs At-Bay Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay) - [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) - [Armilla vs CFC](https://spot.insure/compare/armilla-vs-cfc) - 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[At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance) - [At-Bay vs Relm Insurance](https://spot.insure/compare/at-bay-vs-relm) - [At-Bay vs Resilience Insurance](https://spot.insure/compare/at-bay-vs-resilience) - [At-Bay vs RiskCube Insurance](https://spot.insure/compare/at-bay-vs-riskcube) - [At-Bay vs Risklytics Insurance](https://spot.insure/compare/at-bay-vs-risklytics) - [At-Bay vs StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance) - [At-Bay vs TechInsurance](https://spot.insure/compare/at-bay-vs-techinsurance) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers) - [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi) - [At-Bay vs Vouch Insurance](https://spot.insure/compare/at-bay-vs-vouch) - [At-Bay vs WithCoverage Insurance](https://spot.insure/compare/at-bay-vs-withcoverage) ## Sources ### [Armilla Official Website](https://www.armilla.ai/) 1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16. 2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16. 3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16. 4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16. 5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16. 6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16. 7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16. 8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.). Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16. ### [At-Bay Official Website](https://www.at-bay.com/) 9. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16. 10. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16. 11. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16. 12. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16. 13. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16. 14. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16. 15. [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. 16. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16. 17. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16. 18. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16. 19. [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: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16. 20. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16. 21. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/armilla-vs-at-bay.md) - [Developer resources](https://spot.insure/developers) - [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)