At-Bay vs Coverdash Tech E&O Insurance

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. ^4,5Company-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.

Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^9,10Company-reported. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.

The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. ^3,5Company-reported. Tech E&O 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 Tech E&O page does not name the insurer that issues the policy. ¹⁰Not publicly disclosed. Reviewed Tech E&O page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Not described in the reviewed sources.

Coverdash markets Tech E&O to businesses that build, sell or service technology, naming SaaS companies, dev shops, IT providers and consultants as examples. ¹⁰Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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. ³Company-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. ³Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. ¹⁰Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made.

Coverdash's coverage hub lists Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. ¹¹Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.

At-Bay says it writes primary and excess Tech E&O 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. ³Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.

The Tech E&O page does not publish specific limit, retention or deductible amounts. ¹⁰Not publicly disclosed. Reviewed Tech E&O page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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. ³Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.

Not described in the reviewed sources.

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. ³Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. ¹⁰Company-reported. Product-page company information and cross-sell section.

At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. ⁶Not found in reviewed sources. Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one.

Not described in the reviewed sources.