---
title: "At-Bay vs Chubb Cyber Insurance"
description: "Chubb offers a named grace-period endorsement for unpatched vulnerabilities; At-Bay instead lowers ransomware retentions by security tier."
canonical: "https://spot.insure/compare/at-bay-vs-chubb/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# At-Bay vs Chubb Cyber Insurance

Chubb offers a named grace-period endorsement for unpatched vulnerabilities; At-Bay instead lowers ransomware retentions by security tier.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Chubb for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb's Neglected Software Exploit Endorsement gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts to the policyholder, while At-Bay reduces ransomware retention and adds a zero-hour waiting period as a buyer moves up its InsurSec security tiers. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [7](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [8](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### A Patch Grace Period vs Tiered Security Requirements

Chubb offers a Neglected Software Exploit Endorsement that gives buyers a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder, alongside a Ransomware Encounter Endorsement that lets buyers tailor ransomware limits and retentions.

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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Innovative coverage concepts section; endorsement availability depends on underwriting..)

At-Bay instead ties its ransomware terms to InsurSec tiers: the Advanced tier reduces the ransomware retention and adds a zero-hour ransomware waiting period, but requires a separately purchased managed detection and response subscription. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### Two Quoting Channels, Structured Differently

Chubb quotes cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace, for accounts under $100 million in revenue, with a customizable program for organizations over $1 billion. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") At-Bay offers automated Broker Platform quotes capped at $100 million in revenue and $3 million in limits, with larger accounts submitted by email to its underwriting team instead. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### Threat Intelligence vs a Security Platform

Chubb gives cyber policyholders access to a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend data. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") At-Bay instead includes its Stance platform with vCISO advisory and tabletop exercises at the base InsurSec tier. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What to Confirm in Cyber Insurance Quotes

- Ask Chubb which underwriting entity within the Chubb group would issue your policy; the reviewed pages describe Chubb as the carrier without naming the entity. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask At-Bay whether your account would be issued on its own carrier paper or placed with another insurer. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [5](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")
- Confirm whether the Neglected Software Exploit grace period or At-Bay's tiered ransomware terms better match your patching cadence. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Get the actual limit and retention on both quotes; neither publishes standard figures. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## Offering Details

| Criteria | At-Bay Cyber Insurance | Chubb Cyber Insurance (Cyber Enterprise Risk Management) |
| --- | --- | --- |
| 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. [4](https://www.at-bay.com/licenses/ "Licenses") [5](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") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section..) |
| Issuing Insurer | The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [5](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") (Evidence: Company-reported; scope: Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | The reviewed pages describe Chubb as the carrier but do not name the specific Chubb-group underwriting entity for cyber policies; the issued policy would name the entity. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Both cyber pages as read on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page eligibility and quoting description..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued..)<br><br>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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Innovative coverage concepts section; endorsement availability depends on underwriting..) |
| Limits and Retentions | At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | The reviewed pages do not publish specific per-policy limit or retention amounts; Chubb says it can build large insurance tower programs with substantial primary limits for organizations over $1 billion in revenue but gives no figures. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page quoting section..) |
| 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. [6](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Company-reported; scope: 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. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page; claims scenarios and report are company-reported..) |

## Full Comparison

- [At-Bay vs Chubb](https://spot.insure/compare/at-bay-vs-chubb): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions)
- [At-Bay vs Chubb Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-chubb/technology-errors-omissions)
- [Alliance Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber)
- [Alliance Risk vs Chubb Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/cyber)
- [Amelia Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/cyber)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber)
- [At-Bay vs Beazley Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay vs CFC Cyber Insurance](https://spot.insure/compare/at-bay-vs-cfc/cyber)

## Sources

### At-Bay

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. [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.
3. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
5. [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: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
6. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Chubb

7. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
8. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
9. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber Enterprise Risk Management target clients and product features; Cyber insurance coverage first-party and third-party lists; Cyber crime by endorsement; quoting via Cyber Central and Marketplace. Accessed 2026-09-23.
10. [Cyber Insurance for Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Cyber Services section; Incident response section; 24/7 hotline and Cyber Alert app; "95% of Fortune 1000 companies are Chubb insured". Accessed 2026-09-23.

### Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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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