At-Bay vs Coalition: How Do They Compare for Tech E&O Insurance?

Coalition sells Tech E&O only alongside its Active Cyber policy, through appointed brokers or a scheduled consultation. At-Bay offers a Tech E&O product with limits up to $10 million and accepts submissions by email.

At-Bay sells Tech E&O on its own, with limits up to $10 million for companies up to $5 billion in revenue and automated quotes up to $3 million; Coalition sells Tech E&O only together with its Active Cyber policy, handled by one claims team. Both come with security monitoring. ^1,^5,⁷

What Are the Key Differences Between At-Bay and Coalition Tech E&O Insurance?

Standalone Tech E&O vs Only With Cyber

At-Bay lets your broker submit Tech E&O on its own, by underwriting email or its Broker Platform, with limits up to $10 million for companies up to $5 billion in revenue; automated quotes go up to $3 million for companies up to $100 million. Coalition sells Tech E&O only combined with Active Cyber Insurance, through appointed brokers. Choose At-Bay if you already have cyber elsewhere or need more than a few million in E&O; choose Coalition if you want E&O and cyber in one policy with one claims team. ¹ ⁵

One Claims Team vs a Cyber-Focused Claims Process

Coalition says the same in-house claims team handles Tech E&O and cyber, which helps when a software failure causes both a breach and a client loss. At-Bay’s claims page lays out a cyber incident roadmap but doesn’t describe how it handles an E&O dispute that isn’t a cyber incident. Both include security tools: At-Bay Stance (monitoring, virtual CISO, tabletop exercises, awareness training; managed detection sold separately) and Coalition Control (attack-surface and vendor-risk monitoring, zero-day alerts, at no extra cost). ¹ ⁴ ⁷ ⁵

Own Specialty Insurer vs Unnamed Insurers

At-Bay said in 2023 that new surplus-lines Tech E&O would be written by its own At-Bay Specialty Insurance Company, though its product page doesn’t name an insurer per quote. Coalition’s disclaimer names insurers for cyber and executive risks but not for Tech E&O, suggesting unaffiliated non-admitted insurers. Surplus-lines policies fall outside state guaranty funds, so ask each for the insurer. ³ ¹ ⁶

What Should You Confirm in At-Bay and Coalition Tech E&O Insurance Quotes?

Ask Coalition whether you must buy Active Cyber to get Tech E&O, and At-Bay whether you can buy E&O without its cyber product. ⁵ ¹
Ask Coalition for its Tech E&O limits and revenue cap; At-Bay publishes $10 million and $5 billion. ¹ ⁵
Ask both which insurer is named on the binder. ³ ⁶
Ask each how a professional-services claim that isn’t a breach is handled. ⁴ ⁵

At-Bay vs Coalition Tech E&O Insurance Compared

At-Bay vs Coalition: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	Coalition Technology Errors & Omissions Coverage
How to Apply	You apply for At-Bay Tech E&O 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.	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ⁵Company-reported. Tech E&O product page as read on 2026-09-23.
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ⁵Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
Role in This Line	At-Bay places Tech E&O 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) Tech E&O 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 covering Cyber and Tech E&O together, not confirmed for every current quote.	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ⁵Company-reported. Tech E&O product page as read on 2026-09-23.
Risk Services	Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. ^5,⁷Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.