At-Bay vs 
Chubb: How Do They Compare for Cyber Insurance?
Chubb sells Cyber ERM through agents and brokers for any size, adding ransomware and widespread-event endorsements; At-Bay sells primary or excess cyber with optional security tiers and an in-house claims team.
Chubb writes Cyber Enterprise Risk Management itself and sells endorsements for systemic events, ransomware and neglected software exploits. At-Bay lists social engineering for all classes, includes Stance monitoring, and publishes appetite up to $5 billion in revenue and $10 million in limits. 5,1
What Are the Key Differences Between At-Bay and Chubb Cyber Insurance?
Named Event Endorsements Versus Feature-Based Base Covers
Chubb lists a Widespread Event Endorsement with separate limits for systemic cyber events, a Ransomware Encounter Endorsement that tailors ransomware limits and retentions, and a Neglected Software Exploit Endorsement with a 45-day grace period. At-Bay instead lists direct and contingent business interruption, social engineering and invoice manipulation for all classes, full limits for cryptojacking and bricking, and cyber extortion including cryptocurrency payment, without those named event endorsements. Choose Chubb if you want to buy those specific endorsements on Chubb-underwritten paper; choose At-Bay if you want those listed crime and interruption features with Stance included. 5 1
Marketplace Quoting Versus Broker Platform Bands
Agents can quote Chubb cyber through Cyber Central or Chubb Marketplace for risks under $100 million in revenue, with a customizable large-account solution for organizations over $1 billion, plus a 24/7 hotline and Cyber Alert app. At-Bay's Broker Platform automates quotes only up to $100 million in revenue and $3 million in limits; larger accounts email underwriting, and the published ceiling is $5 billion and $10 million. Chubb does not publish per-policy dollar limits on the reviewed pages. 5 1
What Should You Confirm in At-Bay and Chubb Cyber Insurance Quotes?
At-Bay vs Chubb Cyber Insurance Compared
At-Bay vs Chubb: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Chubb Cyber Insurance (Cyber Enterprise Risk Management) |
|---|---|---|
| How to Apply | You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. 5Company-reported. Cyber Insurance Coverage & Products page quoting section. |
| Coverage Features | At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. 1Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions. | Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. 5Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued. Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. 5Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting. |
| Role in This Line | At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote. | Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. 5Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section. |
| Risk Services | Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. 1Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change. | Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. 6Company-reported. Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections. |
| Claims Support | At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. 4Company-reported. Claims-handling page process description; does not establish claim outcomes or payment speed. | Chubb reports 24/7 incident response availability by hotline or its Cyber Alert app, and publishes an annual Cyber Claims Landscape report analyzing claim frequency, severity and ransomware trends. 6Company-reported. Cyber Insurance for Businesses page; claims scenarios and report are company-reported. |
