---
title: "At-Bay vs Beazley"
description: "Compare At-Bay and Beazley technology coverage for software service credits, contractual liability and security-service costs."
canonical: "https://spot.insure/compare/at-bay-vs-beazley"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "Beazley"]
---

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

# At-Bay vs Beazley

Compare At-Bay and Beazley technology coverage for software service credits, contractual liability and security-service costs.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Beazley 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

At-Bay markets combined Tech E&O/cyber with specific service-credit highlights and separately priced security services. Beazley offers MediaTech, with an older sample form that raises contractual and reporting questions. Current terms and California acceptance require quotations. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [16](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")



## Introduction

A SaaS vendor negotiating an uptime commitment should distinguish a service credit promised in its contract from a credit used to settle an insured claim. At-Bay’s Tech E&O page describes service credits issued to settle a claim as payable damages, subject to terms. Beazley’s MediaTech sample includes contractual restrictions. The useful comparison is how each current proposal treats the actual remedy clause. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [16](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](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. [7](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.)

### Beazley

- Technology E&O, media and cyber in one MediaTech form [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)
- Execuguard can separate or share executive-risk limits [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | Beazley |
| --- | --- | --- |
| Commercial property | Not listed | Listed [28](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") |
| Crime | Not listed | Listed [24](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [22](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") |
| Directors and officers | Not listed | Listed [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") |
| Employment practices liability | Not listed | Listed [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") |
| Fidelity bonds | Not listed | Listed [24](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") |
| Fiduciary liability | Not listed | Listed [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") |
| General liability | Not listed | Listed [30](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [26](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") |
| Hired and non-owned auto | Not listed | Listed [30](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") |
| Management liability | Not listed | Listed [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") |
| Media liability | Not listed | Listed [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") |
| Medical malpractice | Not listed | Listed [26](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [27](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") |
| Product liability | Not listed | Listed [27](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") |
| Product recall | Not listed | Listed [29](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [30](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") |
| Representations and warranties | Not listed | Listed [25](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [31](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") |
| Virtual care and telehealth | Not listed | Listed [26](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") |

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 at-Bay and Beazley

### A Settlement Feature Is Not an Uptime Warranty

At-Bay markets combined professional liability and cyber protection, including failed implementations and customer contractual indemnity. Those highlights do not establish unconditional reimbursement of every service credit. Beazley’s older sample is also insufficient to determine the current quote. Ask both underwriters to explain when credits count as damages, whether consent is required and how contractual liability exclusions apply. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [16](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

A larger requested limit may also change the submission route. At-Bay’s current product page has higher overall appetite ceilings than its broker-platform ceilings, and it advertises specialist excess Tech E&O. Beazley’s marine excess catalogue entry cannot be used to infer equivalent technology excess capacity. Identify the primary and excess terms separately. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [31](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine")

### Older Appetite Documents Can Mislead an AI Vendor

At-Bay’s accessible legacy appetite guide lists restrictions, including autonomous AI, that should not be promoted into current eligibility conclusions when newer product information differs. Beazley’s public sample and application are older too. For an agentic product, obtain the applicable current appetite and form versions rather than relying on either archived document to declare acceptance or rejection. [12](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") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [16](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [15](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

At-Bay’s historical move to its own E&S insurer does not identify every current issuer. Neither company’s general disclosures establish California acceptance for a particular applicant. Put the legal insurer and producer route on the proposal before comparing premiums. [11](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") [5](https://www.at-bay.com/licenses/ "Licenses") [18](https://www.beazley.com/en-us/legal-information-en/ "Legal Information")

### Security Costs Belong Beside the Premium

At-Bay Stance access is tied to an Embedded Security Fee and Endorsement; optional MDR is a separate purchase from its security affiliate. Beazley’s FullSpectrum Cyber page describes security and vendor services, but does not establish identical benefits for every MediaTech policy. Ask which quoted product includes each service and whether existing security tools qualify for any conditional enhancement. [7](https://www.at-bay.com/stance/ "At-Bay Stance") [22](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## What to Confirm in Quotes

- When can a service-credit settlement be covered, and whose consent is needed before offering it? [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [16](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Which current appetite, issuer and primary/excess route apply to the AI-enabled product in California? [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.at-bay.com/licenses/ "Licenses") [18](https://www.beazley.com/en-us/legal-information-en/ "Legal Information")
- What security fees, optional subscriptions and non-cyber E&O reporting duties accompany the policy? [7](https://www.at-bay.com/stance/ "At-Bay Stance") [8](https://www.at-bay.com/claims/ "Claims Handling") [21](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim")



## Service Comparison

At-Bay vs Beazley: documented services and availability.

| Criteria | At-Bay | Beazley |
| --- | --- | --- |
| Coverage lines | At-Bay describes Tech E&O as combining professional liability and cyber protection, including coding errors, failed implementations and customer contractual indemnity. It also describes service credits issued to settle a claim as payable damages, subject to policy terms. [2](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.)<br><br>At-Bay markets cyber coverage for direct and contingent business interruption and system failure, cyber extortion, privacy liability, and financial fraud exposures such as social engineering and invoice manipulation. Specific limits and conditions require the quote and policy. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") (Evidence: Company-reported; scope: Current cyber product offering; components are not separate catalogue products.; verified: 2026-09-16.)<br><br>At-Bay markets miscellaneous professional liability (MPL) on a primary basis for businesses of all revenue sizes, with limits up to $5 million and state restrictions. The product page describes claims-made-and-reported coverage, a duty to defend and a tailored definition of professional services. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current MPL page; eligibility and policy wording remain underwriting-specific.; verified: 2026-09-16.)<br><br>At-Bay advertises excess Cyber and Tech E&O alongside primary coverage. The excess catalogue entry refers to those specialist lines; it does not establish a general commercial umbrella offering. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Shared umbrella-excess key used only for explicitly marketed excess products.; verified: 2026-09-16.) | MediaTech combines technology and professional errors and omissions, media liability and cyber coverage. Beazley lists breach response, business interruption, dependent business interruption, extortion, data recovery and eCrime protections, with limits up to $5 million; the issued policy determines the cover purchased. [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)<br><br>The linked MediaTech sample form is dated February 2019. It excludes patent infringement and trade-secret misappropriation related to technology or other products, and contains contractual-liability and retroactive-date restrictions. The sample is not evidence of the wording that will be offered today. [16](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [18](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") (Evidence: Company-reported; scope: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified: 2026-09-16.)<br><br>Execuguard offers private-company directors and officers, employment practices and fiduciary liability, with separate or shared limits across selected coverages. Beazley advertises both admitted and non-admitted options; state and account eligibility still need confirmation. [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)<br><br>Beazley offers Commercial Crime for commercial companies and Financial Fidelity Bonds for financial institutions. Its crime page describes fraudulent-instruction coverage subject to out-of-band authentication, with possible removal of that condition for documented controls and an additional premium. [24](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified: 2026-09-16.)<br><br>Virtual Care lists healthcare professional liability, technology liability, cyber, media, general liability and products/completed operations for digital-health businesses. Life Sciences offers product, professional and general liability through BioSecure, NutraGuard and WellTech forms for different life-sciences exposures. [26](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [27](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Specialty healthcare packages, not universal MediaTech benefits.; verified: 2026-09-16.)<br><br>North American Commercial Property targets mid-sized and large commercial properties on an excess and surplus lines basis. Product Recall – Manufacturing Risk and Response separately addresses consumer goods, component parts and consumables, including product-removal and related income-loss costs. [28](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [29](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified: 2026-09-16.)<br><br>BeazleyOne Environmental combines general, professional and contractors’ pollution liability for environmental-service firms, and lists hired and non-owned auto. US Marine offers hull and marine liability on primary and excess bases; this does not establish general corporate umbrella availability. [30](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [31](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") (Evidence: Company-reported; scope: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified: 2026-09-16.)<br><br>Beazley offers representations and warranties coverage for acquisitions. Its US Specialty Programs business works through managing general agents, program administrators and specialized brokers on professional, general, product, manufacturers’ E&O, cyber and allied-medical liability programs. [25](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [32](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs "US Specialty Programs") (Evidence: Company-reported; scope: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified: 2026-09-16.)<br><br>The posted Digital Media Tech application says liability coverage is claims-made and reported: the claim must be made and reported within the applicable policy terms. It also warns that claims expenses reduce the liability limit and are subject to retentions. [15](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application notice, page 1; current issued wording and endorsements control.; verified: 2026-09-16.) |
| Application process | 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. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](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.) | Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [15](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.) |
| Fees and compensation | 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. [7](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.)<br><br>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. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [10](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.) | The reviewed MediaTech product page, application and US website terms do not disclose a buyer-specific premium, broker commission rate or fee schedule for a MediaTech placement. Obtain an itemized quote and the placing broker’s compensation disclosure. [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [15](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [19](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not publicly disclosed; scope: Scoped review of public MediaTech purchase materials, not all Beazley group compensation arrangements.; verified: 2026-09-16.) |
| Servicing and renewals | 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. [7](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.)<br><br>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. [7](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.)<br><br>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. [6](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.) | Beazley publishes a MediaTech renewal application. The reviewed renewal form and product page do not establish a guaranteed renewal, dedicated account manager, or turnaround commitment for policy changes. [17](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: Public renewal document and service description; no policyholder account or service performance tested.; verified: 2026-09-16.)<br><br>Full Spectrum Cyber for small businesses combines Beazley Breach Response with security tools and services. Beazley describes incident-response coordination and discounted vendor services. Its myBeazley quote-and-bind route is for brokers handling accounts below $35 million in revenue and limits no higher than $5 million; these are cyber-route criteria, not MediaTech eligibility rules. [22](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Small-business Full Spectrum Cyber only; services, costs and entitlements depend on actual arrangements.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is Beazley?](https://spot.insure/insurance-providers/beazley)

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- [At-Bay vs Heffernan Insurance Brokers Insurance](https://spot.insure/compare/at-bay-vs-heffernan)
- [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox)
- [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international)
- [At-Bay vs Kinro Insurance](https://spot.insure/compare/at-bay-vs-kinro)
- [At-Bay vs Layr Insurance](https://spot.insure/compare/at-bay-vs-layr)
- [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton)
- [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh)
- [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo)
- [At-Bay vs Newfront Insurance](https://spot.insure/compare/at-bay-vs-newfront)
- [At-Bay vs ERGO NEXT Insurance](https://spot.insure/compare/at-bay-vs-next-insurance)
- [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)
- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc)
- [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb)
- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition)
- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi)
- [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie)
- [Beazley vs Coverdash](https://spot.insure/compare/beazley-vs-coverdash)
- [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell)
- [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker)
- [Beazley vs Founder Shield](https://spot.insure/compare/beazley-vs-foundershield)
- [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher)
- [Beazley vs Harper](https://spot.insure/compare/beazley-vs-harper)
- [Beazley vs Heffernan](https://spot.insure/compare/beazley-vs-heffernan)
- [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox)
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international)
- [Beazley vs Kinro](https://spot.insure/compare/beazley-vs-kinro)
- [Beazley vs Layr](https://spot.insure/compare/beazley-vs-layr)
- [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton)
- [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh)
- [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo)
- [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront)
- [Beazley vs ERGO NEXT Insurance](https://spot.insure/compare/beazley-vs-next-insurance)
- [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance)
- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm)
- [Beazley vs Resilience](https://spot.insure/compare/beazley-vs-resilience)
- [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube)
- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics)
- [Beazley vs StartupInsurance.ai](https://spot.insure/compare/beazley-vs-startupinsurance)
- [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance)
- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford)
- [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers)
- [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi)
- [Beazley vs Vouch](https://spot.insure/compare/beazley-vs-vouch)
- [Beazley vs WithCoverage](https://spot.insure/compare/beazley-vs-withcoverage)

## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [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.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [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.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [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.
7. [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.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [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.
10. [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.
11. [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.
12. [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.
13. [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.

### [Beazley Official Website](https://www.beazley.com/en-us/)

14. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16.
15. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
16. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
17. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
18. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
19. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
20. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
21. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
22. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
23. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
24. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16.
25. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
26. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
27. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16.
28. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16.
29. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
30. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
31. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16.
32. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
33. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. 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.

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