What Is At-Bay Insurance?
At-Bay targets technology firms with up to $5 billion in revenue and offers cyber limits up to $10 million, plus technology E&O; buyers seeking a standard online business package should compare other carriers. Managed detection and response costs extra. 1,2
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 7,8,9
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 12,13,14,15
Key Differences in Professional Liability (E&O) Insurance
Published MPL Terms
At-Bay describes claims-made-and-reported MPL with features including acquired-subsidiary and independent-contractor coverage, disciplinary-proceeding defense, and a professional-services definition written for each insured. Its published limit reaches $5 million, subject to state and eligibility restrictions. CNA’s current U.S. page describes Epack 3 and EPS Plus combinations and a separate Technology E&O product. Ask CNA which form and limit fit the same professional services before comparing terms. 3 10
Broker Access and Quote Workflow
At-Bay directs submissions to licensed insurance professionals and says brokers can create quotes, adjust limits and retentions, and bind through its platform. For either option, ask who may submit the risk and what steps are required before the policy can bind. At-Bay’s platform description is a broker workflow, while CNA’s cited material describes product structures rather than a buyer-specific quote process. 3 10
What to Confirm in Professional Liability (E&O) Insurance Quotes
At-Bay and CNA Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
At-Bay Review Score
Review Score
2 rated sources
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.[3][6][9]
Read At-Bay reviewsCNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsAt-Bay vs CNA Professional Liability (E&O) Insurance Compared
At-Bay vs CNA: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | CNA Professional and Technology Liability |
|---|---|---|
| Role in This Line | At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. 3,4Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk. | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. 10,11Company-reported. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording. |
| Issuing Insurer | The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. 3,5Not found in reviewed sources. Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper. | Confirm in your quote. |
| Who It’s For | At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. 3Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record. | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. 10Company-reported. The listed classes are a target list, not a complete or guaranteed eligibility rule. |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. 3Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions. | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. 10Company-reported. The page is a summary and does not define covered services, contract exceptions or policy triggers. |
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. 3Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. 10Company-reported. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol. |
| How to Apply | At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. 3,6Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed. | Confirm in your quote. |
Related Pages for At-Bay vs CNA Professional Liability (E&O) Insurance
Professional Liability (E&O) Insurance Pages for At-Bay and CNA
Other Coverage Lines Compared for At-Bay vs CNA
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for At-Bay vs CNA Professional Liability (E&O) Insurance
Sources About At-Bay
- Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
- At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
- MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
- Licenses. At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
- At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
- Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Cyber Insurance - Cyber Risk Solutions. CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. Accessed 2026-09-30.
- Epack 3 – Cyber, Media, Technology & Professional Liability. CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
