At-Bay vs Embroker: How Do They Compare for Professional Liability (E&O) Insurance?

Embroker sells professional liability as a standalone product with an online quote; At-Bay directs its MPL, up to $5 million, to licensed insurance professionals instead of direct retail buyers.

Embroker publishes E&O exclusions and choices between an aggregate deductible and first-dollar defense; At-Bay lists MPL provisions but no comparable deductible schedule. ^5,¹

What Are the Key Differences Between At-Bay and Embroker Professional Liability (E&O) Insurance?

Exclusions and Other Policies You May Need

Embroker names exclusions for personal injury, cyberattacks, employee injuries and discrimination, and points buyers to other coverage for those risks. At-Bay lists MPL features such as automatic subsidiary coverage and disciplinary-proceedings defense but does not provide a comparable exclusions list on that page. Ask for the full form before deciding whether your other policies cover the gaps. ⁵ ¹

Deductible Choices

Embroker describes a choice between an aggregate deductible and first-dollar defense:

Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ⁵Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.

At-Bay publishes a $5 million ceiling but no deductible options on its product page. Compare out-of-pocket claim costs as well as limits and premiums. ¹

Online Quote or Broker Submission

Embroker offers an online E&O quote and describes factors such as business size and claims history. At-Bay routes MPL submissions through email or its Broker Platform. Embroker offers a more direct digital start; At-Bay requires broker access. ⁵ ⁴

What Should You Confirm in At-Bay and Embroker Professional Liability (E&O) Insurance Quotes?

Ask Embroker which deductible option applies and how it affects premium and defense costs. ⁵
Request At-Bay’s full exclusions and confirm how other policies respond. ¹
Compare actual insurer, limit, retention and state availability for both quotes. ¹ ⁵
Confirm whether Embroker’s cyber exclusions mean you need separate cyber cover. ⁵

At-Bay vs Embroker Professional Liability (E&O) Insurance Compared

At-Bay vs Embroker: Professional Liability (E&O) Insurance: documented features by provider

Criteria	At-Bay Miscellaneous Professional Liability (MPL) Insurance	Embroker Professional Liability Insurance
Limits and Retentions	At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. ¹Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.	Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ⁵Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.
Who It’s For	At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. ¹Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.	Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ⁵Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.
How to Apply	At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. ^1,⁴Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.	Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ⁵Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.
Coverage Features	At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. ¹Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.	Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ⁵Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ⁵Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.
Role in This Line	At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. ^1,²Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.	Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ⁵Company-reported. Product-page description; not a statement about the issuing insurer.