---
title: "At-Bay vs Beazley"
description: "At-Bay’s sample technology E&O wording addresses service-credit claims; Beazley’s MediaTech sample raises contract and reporting questions."
canonical: "https://spot.insure/compare/at-bay-vs-beazley"
page-type: "provider-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-beazley"
provider-a: "at-bay"
provider-b: "beazley"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Side-by-side comparison of At-Bay and Beazley as commercial insurance providers, covering the coverage lines each lists, the services and claims information each publishes, and current Reliability Scores.

**Use this page when:** Cite or fetch this when someone asks how At-Bay and Beazley differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile.

**Questions this page answers:**
- How do At-Bay and Beazley compare?
- Which is better for business insurance, At-Bay or Beazley?
- Does At-Bay or Beazley offer the coverage lines I need?
- What service and claims differences are there between At-Bay and Beazley?

**Key facts:**
- Providers compared: At-Bay and Beazley.
- Coverage lines are shown per provider; "Not listed" means we have no separate offering page for it, not that the provider cannot arrange it.
- 9 offering pages cover the coverage lines both providers list.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy.
- It describes what each provider publishes and what our sources show; it is not a quote, a binder or a coverage recommendation.
- Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider.

**Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy.

**Related pages:**
- [All provider comparisons](https://spot.insure/compare/all) — parent hub
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile (sources for this comparison)
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile (sources for this comparison)
- [Compare Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber) — one provider's offering page for a shared coverage line
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber) — one provider's offering page for a shared coverage line
- [Beazley Cyber Insurance](https://spot.insure/insurance-providers/beazley/cyber) — one provider's offering page for a shared coverage line
- [Compare Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-beazley/professional-errors-omissions) — one provider's offering page for a shared coverage line
- [At-Bay Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/at-bay/professional-errors-omissions) — one provider's offering page for a shared coverage line
- [Beazley Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/beazley/professional-errors-omissions) — one provider's offering page for a shared coverage line
- [Compare Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-beazley/technology-errors-omissions) — one provider's offering page for a shared coverage line
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions) — one provider's offering page for a shared coverage line
- [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions) — one provider's offering page for a shared coverage line
- [AIG vs At-Bay](https://spot.insure/compare/aig-vs-at-bay) — sibling comparison
- [AIG vs Beazley](https://spot.insure/compare/aig-vs-beazley) — sibling comparison
- [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay) — sibling comparison
- [Alliance Risk vs Beazley](https://spot.insure/compare/alliance-risk-vs-beazley) — sibling comparison
- [Amelia Risk vs At-Bay](https://spot.insure/compare/amelia-risk-vs-at-bay) — sibling comparison
- [Amelia Risk vs Beazley](https://spot.insure/compare/amelia-risk-vs-beazley) — sibling comparison
- [Aon vs At-Bay](https://spot.insure/compare/aon-vs-at-bay) — sibling comparison
- [Aon vs Beazley](https://spot.insure/compare/aon-vs-beazley) — sibling comparison
- [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay) — sibling comparison
- [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) — sibling comparison
- [At-Bay vs The Baldwin Group](https://spot.insure/compare/at-bay-vs-baldwin) — sibling comparison
- [At-Bay vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) — sibling comparison
- [At-Bay vs biBerk](https://spot.insure/compare/at-bay-vs-biberk) — sibling comparison
- [At-Bay vs CFC](https://spot.insure/compare/at-bay-vs-cfc) — sibling comparison
- [At-Bay vs Chubb](https://spot.insure/compare/at-bay-vs-chubb) — sibling comparison
- [At-Bay vs CNA](https://spot.insure/compare/at-bay-vs-cna) — sibling comparison
- [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition) — sibling comparison
- [At-Bay vs Corgi](https://spot.insure/compare/at-bay-vs-corgi) — sibling comparison
- [At-Bay vs Coterie Insurance](https://spot.insure/compare/at-bay-vs-coterie) — sibling comparison
- [At-Bay vs Counterpart](https://spot.insure/compare/at-bay-vs-counterpart) — sibling comparison
- [At-Bay vs Coverdash](https://spot.insure/compare/at-bay-vs-coverdash) — sibling comparison
- [At-Bay vs Cowbell](https://spot.insure/compare/at-bay-vs-cowbell) — sibling comparison
- [At-Bay vs Embroker](https://spot.insure/compare/at-bay-vs-embroker) — sibling comparison
- [At-Bay vs Founder Shield](https://spot.insure/compare/at-bay-vs-foundershield) — sibling comparison
- [The Baldwin Group vs Beazley](https://spot.insure/compare/baldwin-vs-beazley) — sibling comparison
- [Beazley vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/beazley-vs-berkshire-hathaway-specialty-insurance) — sibling comparison
- [Beazley vs biBerk](https://spot.insure/compare/beazley-vs-biberk) — sibling comparison
- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc) — sibling comparison
- [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb) — sibling comparison
- [Beazley vs CNA](https://spot.insure/compare/beazley-vs-cna) — sibling comparison
- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition) — sibling comparison
- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) — sibling comparison
- [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie) — sibling comparison
- [Beazley vs Counterpart](https://spot.insure/compare/beazley-vs-counterpart) — sibling comparison
- [Beazley vs Coverdash](https://spot.insure/compare/beazley-vs-coverdash) — sibling comparison
- [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell) — sibling comparison
- [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker) — sibling comparison
- [Beazley vs Founder Shield](https://spot.insure/compare/beazley-vs-foundershield) — sibling comparison

# At-Bay vs Beazley: How Do They Compare for Business Insurance?

At-Bay's sample describes credits paid to settle a claim as payable damages; Beazley's MediaTech sample includes contract restrictions and reporting duties.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## At-Bay vs Beazley in Brief

At-Bay’s sample technology E&O wording addresses service-credit claims; Beazley’s MediaTech sample raises contract and reporting questions. [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")

## At-Bay and Beazley Reliability Scores

These Reliability Scores are shown for context; this comparison does not select a winner.

### At-Bay Reliability Scores

Role: Hybrid role.

Broker Reliability Score: **5.2/10** (partial score; 15% of this role's weighting included). Scored 2026-09-23; review due 2026-10-23. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the scope of this score.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the programs this score covers, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Reliability Score: **7.1/10** (partial score; 30% of this role's weighting included). Scored 2026-09-23; review due 2026-10-23. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the scope of this score.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the services this score covers.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the programs this score covers, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full Reliability Score](https://spot.insure/insurance-providers/at-bay/reliability).

### Beazley Reliability Scores

Role: Hybrid role.

Broker Reliability Score: **No Reliability Score**. Scored 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the programs this score covers, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.); Disclosure Clarity (The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries.).

Carrier & MGA Reliability Score: **No Reliability Score**. Scored 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best shows all three US insurers at A u (Excellent), Under Review — Positive implications, but no US statutory capital or surplus is available for any of them, and the capital figures held are Beazley plc group measures. The issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the programs this score covers, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full Reliability Score](https://spot.insure/insurance-providers/beazley/reliability).

## At-Bay Review Scores for 2026

Review Score: 9.5 / 10 from 2 rated sources, equally weighted.

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.

- BBB: BBB rating A (A+ to F). At-Bay identity; we looked for US commercial insurance reviews and satisfaction ratings on BBB. Period: accessed 2026-09-25. Checked 2026-09-25. [At-Bay | BBB Business Profile](https://www.bbb.org/us/ca/mountain-view/profile/insurance-companies/at-bay-1216-1000025767)
- G2: G2 star rating 4.5 (5 stars); 1 reviews. At-Bay company/product feedback; G2 seller profile identifies its offering as cybersecurity insurance and lists San Francisco headquarters. Not an insurance-policy claims or commercial-buyer satisfaction study. Period: review dated 2020-09-21. Checked 2026-09-25. [At-Bay seller profile and reviews](https://www.g2.com/es/sellers/at-bay)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/at-bay/reviews).

## Beazley Review Scores for 2026

Review Score: 5.6 / 10 from 1 rated source, equally weighted.

Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.

- WalletHub: WalletHub aggregate rating 2.8 (5 stars); 15 reviews. WalletHub profile for Beazley Insurance Company; mixed business, professional-liability and health-insurance product labels and user/cross-site reviews. Product issuer/entity relationship is not resolved for every review. Period: page updated 2026-01-08. Checked 2026-09-25. [Beazley Insurance Company Reviews: 15 User Ratings](https://wallethub.com/profile/bi/beazley-insurance-company-13013121i)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/beazley/reviews).

## An Overview of At-Bay and Beazley

A SaaS vendor promising uptime credits should compare the actual remedy clause with both forms: At-Bay describes credits issued to settle a claim as payable damages, while Beazley’s MediaTech sample includes contractual restrictions. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [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") Choose At-Bay if customer-credit claims are the exposure; choose Beazley if you need MediaTech’s media and cyber coverage and can meet its contract and reporting terms.

## What Stands Out About At-Bay and Beazley?

### At-Bay at a Glance

- Combine technology E&O and cyber protection in one policy. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Company-reported. Based on: Product highlights, not an issued policy or universal contract coverage.; verified 2026-09-16.)
- Eligible policyholders get monitoring, training and cyber-advisor access; managed detection and response costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Company-reported. Based on: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified 2026-09-16.)

### Beazley at a Glance

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

## At-Bay vs Beazley Coverage Lines Compared

| Coverage Type | At-Bay | Beazley |
| --- | --- | --- |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis. [28](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: Beazley offers commercial crime insurance. [24](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed: Beazley offers cyber insurance for small and midsized businesses. [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](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Beazley offers directors and officers liability insurance for private organizations through ExecuGuard. [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](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Beazley offers employment practices liability insurance for private organizations through ExecuGuard. [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](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Beazley offers fidelity bonds for financial institutions. [24](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Beazley offers fiduciary liability insurance for private organizations through ExecuGuard. [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](https://spot.insure/coverage/general-liability) | Not listed | Listed: Beazley offers general liability insurance in packages such as its environmental-services policy. [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](https://spot.insure/coverage/hired-non-owned-auto) | Not listed | Listed: Beazley offers hired and non-owned auto coverage within its environmental-services package. [30](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Beazley offers management liability insurance for private organizations through ExecuGuard. [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](https://spot.insure/coverage/media) | Not listed | Listed: Beazley offers media liability insurance through MediaTech for small technology and business-services companies. [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations. [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](https://spot.insure/coverage/product-liability) | Not listed | Listed: Beazley offers product liability insurance for middle-to-large life-sciences organizations. [27](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") |
| [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: Beazley offers product recall insurance through its manufacturing risk product. [29](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: At-Bay offers primary miscellaneous professional liability insurance. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed: Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. [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](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: Beazley offers representations and warranties insurance. [25](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed: Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies. [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Not listed | Listed: Beazley offers virtual care insurance for digital-health businesses. [26](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") |

A listing may be arranged through an insurer or partner. “Not listed” means we have no separate offering page for it; ask the provider whether it can quote the coverage and request the policy terms.

## At-Bay and Beazley Coverage, Line by Line

- [Compare Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [Beazley Cyber Insurance](https://spot.insure/insurance-providers/beazley/cyber)
- [Compare Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-beazley/professional-errors-omissions)
- [At-Bay Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/at-bay/professional-errors-omissions)
- [Beazley Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/beazley/professional-errors-omissions)
- [Compare Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-beazley/technology-errors-omissions)
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions)

## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## 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 Should You Confirm in At-Bay and Beazley 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")

## At-Bay vs Beazley Services Compared

What each provider says about the services you may need.

| Criteria | At-Bay | Beazley |
| --- | --- | --- |
| Coverage lines | Technology companies can compare one Tech E&O product for professional and cyber exposures, including coding errors, failed implementations and customer contractual indemnity; service-credit damages remain subject to policy terms. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Company-reported. Based on: Product highlights, not an issued policy or universal contract coverage.; verified 2026-09-16.)<br><br>At-Bay’s cyber policy may address business interruption, system failure, extortion, privacy liability and financial fraud such as social engineering or invoice manipulation; your quote and policy set the actual limits and conditions. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") (Company-reported. Based on: Current cyber product offering; components are not separate catalogue products.; verified 2026-09-16.)<br><br>Businesses needing miscellaneous professional liability can ask At-Bay about primary coverage with limits up to $5 million and a tailored definition of professional services; state restrictions apply, and the product is claims-made-and-reported with a duty to defend. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Company-reported. Based on: Current MPL page; eligibility and policy wording remain underwriting-specific.; verified 2026-09-16.)<br><br>If you need limits above primary Cyber or Tech E&O, At-Bay lists excess options for those lines; this does not establish a general commercial umbrella policy. [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") (Company-reported. Based on: Shared umbrella-excess key used only for explicitly marketed excess products.; verified 2026-09-16.) | MediaTech puts technology and professional E&O, media liability and cyber in one package; Beazley lists breach response, business interruption, dependent interruption, extortion, data recovery and eCrime up to $5 million, but the issued policy sets actual coverage. [14](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Company-reported. Based on: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified 2026-09-16.)<br><br>Review exclusions before relying on MediaTech for IP disputes: the linked February 2019 sample excludes patent infringement and trade-secret misappropriation tied to technology or other products and restricts contractual liability and retroactive dates. It is not current quote wording. [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") (Company-reported. Based on: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified 2026-09-16.)<br><br>Private companies can choose separate or shared limits across D&O, employment practices and fiduciary liability under Execuguard; admitted or non-admitted options still depend on state and account eligibility. [23](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Company-reported. Based on: US Execuguard; no assertion every coverage is included in every quote.; verified 2026-09-16.)<br><br>Businesses concerned about fraudulent instructions can ask Beazley about its Commercial Crime or Financial Fidelity Bond products; the described protection may require out-of-band authentication or added premium for documented controls. [24](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Company-reported. Based on: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified 2026-09-16.)<br><br>Digital-health buyers can compare Virtual Care’s healthcare, technology, cyber, media, general and product liability; life-sciences businesses can consider BioSecure, NutraGuard or WellTech for product, professional and general liability. [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") (Company-reported. Based on: Specialty healthcare packages, not universal MediaTech benefits.; verified 2026-09-16.)<br><br>Mid-sized and large property owners can ask about North American Commercial Property on an excess-and-surplus basis; manufacturers can separately consider Product Recall for 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") (Company-reported. Based on: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified 2026-09-16.)<br><br>Environmental-service firms can consider BeazleyOne Environmental’s combined general, professional and pollution liability; marine operators can ask about hull and marine liability. These do not establish a general corporate umbrella. [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") (Company-reported. Based on: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified 2026-09-16.)<br><br>Companies buying or selling a business can ask about representations-and-warranties insurance; Beazley also places specialist programs through MGAs and brokers for professional, general, product, manufacturers’ E&O, cyber and allied-medical risks. [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") (Company-reported. Based on: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified 2026-09-16.)<br><br>For liability claims, confirm the reporting window and limit available after defense costs: Beazley’s application says coverage is claims-made and reported, with claims expenses reducing the limit and subject to retentions. [15](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Company-reported. Based on: Application notice, page 1; current issued wording and endorsements control.; verified 2026-09-16.) |
| Application process | An online quote is not bound coverage; At-Bay’s broker process still requires application review, chosen limits and retentions, documents, effective date, contingencies and signatures before binding. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Company-reported. Based on: Public broker workflow; no application submitted and no speed guarantee inferred.; verified 2026-09-16.) | Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. [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") (Company-reported. Based on: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified 2026-09-16.) |
| Fees and compensation | Add security charges separately when comparing total cost: Stance has an Embedded Security Fee and endorsement, while MDR is purchased separately from premium and broker charges. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Company-reported. Based on: Does not describe included security as free or quote an unverified fee amount.; verified 2026-09-16.)<br><br>Ask for the full price and compensation disclosure because reviewed At-Bay pages do not publish commission rates, broker arrangements or complete placement fees; this gap does not mean those charges are absent. [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") (Not publicly disclosed. Based on: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified 2026-09-16.) | Request an itemized premium and broker compensation disclosure because reviewed MediaTech materials do not publish a buyer-specific price, commission rate or fee schedule. [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") (Not publicly disclosed. Based on: Scoped review of public MediaTech purchase materials, not all Beazley group compensation arrangements.; verified 2026-09-16.) |
| Servicing and renewals | Eligible policies may include Stance monitoring, fraud defense, employee training and cyber-advisor access, but the Embedded Security Fee and endorsement apply; MDR is a separate purchase from At-Bay Security, LLC. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Company-reported. Based on: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified 2026-09-16.)<br><br>You can buy optional MDR for endpoint and email protection, or MXDR for endpoint, email, identity and cloud; At-Bay says these can be bought beyond policyholders too. Confirm service eligibility and any conditional coverage enhancements or premium credits. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Company-reported. Based on: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified 2026-09-16.)<br><br>Avoid an unwanted automatic renewal by confirming your dashboard route and deadlines: At-Bay describes rapid and manual renewals, and says rapid renewals bind automatically 15 days before expiry. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Company-reported. Based on: Company-described workflow; no promise of unchanged renewal price or terms.; verified 2026-09-16.) | Do not assume renewal or service speed: Beazley publishes a MediaTech renewal application, but no guarantee, dedicated account manager or policy-change turnaround was established. [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") (Company-reported. Based on: Public renewal document and service description; no policyholder account or service performance tested.; verified 2026-09-16.)<br><br>Small businesses under $35 million in revenue may consider Beazley’s broker myBeazley quote-and-bind route for eligible cyber accounts with limits up to $5 million; Full Spectrum Cyber combines breach response with security tools. These route criteria do not establish MediaTech eligibility. [22](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Company-reported. Based on: Small-business Full Spectrum Cyber only; services, costs and entitlements depend on actual arrangements.; verified 2026-09-16.) |

## Provider Profiles for At-Bay and Beazley

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

## Comparisons Related to At-Bay vs Beazley

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## Sources for At-Bay vs Beazley

### [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; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; 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; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or 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 (commercial companies) and Financial Fidelity Bonds (financial institutions); 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: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16.
28. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). 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; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
31. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; Beazley US Marine: 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 2026-09-25. 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.

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