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

Coverdash is a broker with a fully digital quote-to-purchase flow aimed at SaaS firms, dev shops and IT consultants. At-Bay's Tech E&O reaches limits of $10 million for businesses with revenue up to $5 billion.

At-Bay writes its own Tech E&O form with limits up to $10 million for tech companies up to $5 billion in revenue, sold through brokers. Coverdash lets you quote and buy Tech E&O online, adding general liability or cyber, but publishes no limits or insurer. ^2,^3,^1,^6,⁵

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

Published Capacity vs Online Purchase

At-Bay writes its own Tech E&O form, with limits up to $10 million for companies up to $5 billion in revenue; its automated broker platform quotes up to $3 million in limits for companies up to $100 million in revenue, and larger risks go to its underwriters by email. Coverdash brokers Tech E&O from insurers it doesn't name, through a fully digital quote-to-purchase flow, and publishes no limits or deductibles. Choose At-Bay if you need more than $3 million in limits or have large-customer contracts; choose Coverdash if you're a small tech firm that wants to buy online and bundle GL or cyber. ¹ ⁶ ⁵

What's Covered

At-Bay lists negligence such as installations, coding errors, failed implementations and outages, plus contractual indemnity, service credits you owe customers counted as damages, and broader contract and IP terms. Coverdash describes claims that software didn't perform as promised, a project was late or off spec, or client data was mishandled, plus defense of groundless claims. If your contracts include SLA service credits, At-Bay documents cover for them. ¹ ⁵ ⁷

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

Ask Coverdash which insurer issues your policy. At-Bay has written eligible new surplus-lines business on its own At-Bay Specialty Insurance Company since 2023; confirm the name on your binder. ⁵ ² ³
Get the limit, retention and whether defense costs reduce the limit from Coverdash. ⁵ ¹
Ask whether At-Bay's Stance security services are included, and whether Coverdash's quote bundles other lines. ¹ ⁵

At-Bay vs Coverdash Tech E&O Insurance Compared

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

Criteria	At-Bay Tech E&O Insurance	Coverdash Tech E&O Insurance
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.	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. ⁵Company-reported. Product-page company information and cross-sell section.
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.	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. ⁵Company-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. ⁷Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.
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.	Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^6,⁵Company-reported. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.

Criteria

At-Bay Tech E&O Insurance

Coverdash Tech E&O Insurance

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.

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. ⁵Company-reported. Product-page company information and cross-sell section.

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.

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. ⁵Company-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. ⁷Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.

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.

Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^6,⁵Company-reported. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.