At-Bay vs Coalition

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. ^6,4

Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. ²⁶

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. ²⁵

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

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. ^2,6,10

Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. ¹⁷

Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. ²⁹

The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. ^17,29

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

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

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

Coalition describes Control policyholder features at no additional cost, including attack-surface monitoring, vendor-risk monitoring, vulnerability alerts and guidance. Login Security requires connecting a Microsoft or Google environment. Additional security products are promoted separately. ²¹

Coalition says cyber renewals begin 90 days before expiration and follow Automatic, Express or Standard paths based on the account. Express renewals require responses; Standard renewals require a bind order and updated signed application, with additional underwriting conditions for some accounts. Automatic renewal does not guarantee an unchanged premium. ²⁸

At-Bay describes an in-house claims team that coordinates with a breach coach and response partners after a cyber incident. Its claims page provides incident reporting routes, and Response & Recovery is integrated with the claims process. This establishes a described support process, not claims payment or service quality. ^8,9

Coalition describes in-house cyber claims triage and assistance attempting to recover stolen funds. Its Tech E&O page says the same claims team manages cyber and Tech E&O claims. These service descriptions do not establish response quality or payment of a particular loss. ^22,14