At-Bay vs Embroker: How Do They Compare for Cyber Insurance?

Embroker sells standalone cyber with a free risk-profile tool and quotes in under 10 minutes online; At-Bay uses email submissions or its broker platform.

Embroker markets a standalone cyber policy to startups, tech companies, financial institutions, professional firms, healthcare and law firms, and says you can request a quote in under 10 minutes. At-Bay includes Stance on every policy and writes primary and excess cyber for revenue up to $5 billion. ^5,¹

What Are the Key Differences Between At-Bay and Embroker Cyber Insurance?

A Ten-Minute Request Versus Stance on a Named Product

Embroker offers a free online risk-profile tool and says applicants can request a cyber quote in under 10 minutes, listing network security, privacy, data recovery, business interruption, computer fraud, social-engineering losses and cyber extortion among what the policy can pay. At-Bay includes Stance monitoring on every policy and lists social engineering and invoice manipulation as included for all classes, with a published appetite up to $5 billion in revenue and $10 million in limits. Choose Embroker if you want that short online request for a listed sector; choose At-Bay if you want Stance and those published ceilings. ⁵ ¹

Sector Marketing Versus Broker-Platform Bands

Embroker markets cyber to startups and tech companies, financial institutions, professional services, healthcare providers and law firms, and warns that E&O is not a substitute even with a technology rider. At-Bay describes coverage by features and limit ceilings rather than those sectors, and automates broker quotes only to $100 million in revenue and $3 million in limits. Embroker does not publish limits; At-Bay does. At-Bay also publishes a breach-coach line; Embroker's reviewed page focuses on coverage descriptions rather than a named claims team. ⁵ ¹ ⁴

What Should You Confirm in At-Bay and Embroker Cyber Insurance Quotes?

Ask Embroker for limits, deductibles and whether social-engineering losses sit in the base form. ⁵
Ask At-Bay which appetite band and Stance tier apply. ¹
If you already hold E&O, confirm Embroker's warning that it cannot replace cyber. ⁵

At-Bay vs Embroker Cyber Insurance Compared

At-Bay vs Embroker: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	Embroker Cyber Insurance
How to Apply	You apply for At-Bay cyber 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.	Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ⁵Company-reported. Product-page calls to action; no quote was requested during this research.
Coverage Features	At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.	Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ⁵Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ⁵Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ⁵Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ⁵Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.
Role in This Line	At-Bay places cyber 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) cyber 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, not confirmed for every current cyber quote.	Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ⁵Company-reported. Product-page description; not a statement about the issuing insurer for this line.

Criteria

At-Bay Cyber Insurance

Embroker Cyber Insurance

How to Apply

You apply for At-Bay cyber 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.

Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ⁵Company-reported. Product-page calls to action; no quote was requested during this research.

Coverage Features

At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.

Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ⁵Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control.

Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ⁵Company-reported. Product-page breach-response cost list.

Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ⁵Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product.

Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ⁵Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.

Role in This Line

At-Bay places cyber 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) cyber 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, not confirmed for every current cyber quote.

Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ⁵Company-reported. Product-page description; not a statement about the issuing insurer for this line.