---
title: "At-Bay vs Foxquilt: Cyber Insurance"
description: "At-Bay lists interruption, system-failure, fraud and extortion features, while Foxquilt’s summary names events without identifying insured costs or triggers."
canonical: "https://spot.insure/compare/at-bay-vs-foxquilt/cyber"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "at-bay-vs-foxquilt"
provider-a: "at-bay"
provider-b: "foxquilt"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-foxquilt/cyber)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Foxquilt for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about At-Bay versus Foxquilt. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Foxquilt for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or Foxquilt?
- What does At-Bay or Foxquilt publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from At-Bay or Foxquilt?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and Foxquilt.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [At-Bay vs Foxquilt](https://spot.insure/compare/at-bay-vs-foxquilt) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile (evidence)
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [At-Bay vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-foxquilt/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Cyber Insurance](https://spot.insure/compare/aig-vs-at-bay/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Cyber Insurance](https://spot.insure/compare/aig-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)

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

At-Bay lists interruption, system-failure, fraud and extortion features, while Foxquilt’s summary names events without identifying insured costs or triggers.

## How to Use the At-Bay vs Foxquilt Cyber Insurance Comparison

Use this comparison to evaluate At-Bay and Foxquilt for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## At-Bay vs Foxquilt Cyber Insurance Summary

At-Bay lists direct and contingent business interruption, system failure, social engineering, invoice manipulation and cyber extortion among its product highlights, subject to the policy issued. Foxquilt describes data breaches and ransomware without identifying insured costs or triggers. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

## What Is At-Bay Insurance?

At-Bay targets technology firms with up to $5 billion in revenue and offers cyber limits up to $10 million, plus technology E&O; buyers seeking a standard online business package should compare other carriers. Managed detection and response costs extra. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [7](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [8](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [10](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [11](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

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

At-Bay’s product highlights name direct and contingent business interruption, system failure, social engineering, invoice manipulation, cyber extortion and reputational-harm PR costs. The page says actual terms are controlled by the issued policy and endorsements. Foxquilt’s product summary describes data breaches and ransomware but does not identify the insured costs or triggers for a particular quote. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

### Interruption and fraud features

At-Bay names interruption and system-failure features alongside social engineering and invoice manipulation. Foxquilt identifies cyber events but does not state which costs or triggers apply to a buyer’s form. A company should ask for the exact interruption trigger and any fraud sublimit instead of treating a product highlight as a policy grant. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

### Extortion and the quoted terms

At-Bay describes cyber-extortion coverage, including cryptocurrency payment, among its published highlights. Foxquilt’s overview names ransomware but does not identify the insured costs or policy triggers. That difference makes the extortion wording, payment conditions and retention useful items to compare in the quote documents. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

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

- Ask At-Bay which coverage highlights, endorsements, limits and conditions are included for your risk. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Ask Foxquilt to identify insured ransomware costs, triggers, limits and retentions in the proposed form. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

## At-Bay vs Foxquilt Cyber Insurance Compared

| Criteria | At-Bay Cyber Insurance | Foxquilt Cyber Insurance |
| --- | --- | --- |
| 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. [4](https://www.at-bay.com/licenses/ "Licenses") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote..) | Foxquilt markets a Cyber Insurance product for businesses. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Issuing Insurer | The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | The page discusses businesses exposed to cyber events and sensitive information; it does not publish a full appetite or industry eligibility list. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions..) | Its product summary describes cyber-event exposures such as data breaches and ransomware; it does not identify the insured costs or policy triggers for a particular quote. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | At-Bay says it writes primary and excess cyber 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change..) | Confirm in your quote. |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings..) | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Claims Support | At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. [6](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Company-reported; scope: Claims-handling page process description; does not establish claim outcomes or payment speed..) | Confirm in your quote. |

## Related Pages for At-Bay vs Foxquilt Cyber Insurance

- [At-Bay vs Foxquilt](https://spot.insure/compare/at-bay-vs-foxquilt): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-foxquilt/professional-errors-omissions)
- [At-Bay vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-foxquilt/technology-errors-omissions)
- [AIG vs At-Bay Cyber Insurance](https://spot.insure/compare/aig-vs-at-bay/cyber)
- [AIG vs Foxquilt Cyber Insurance](https://spot.insure/compare/aig-vs-foxquilt/cyber)
- [Alliance Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber)
- [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber)
- [Amelia Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/cyber)
- [Amelia Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/cyber)

## Sources for At-Bay vs Foxquilt Cyber Insurance

### Sources About At-Bay

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
5. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
6. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Foxquilt

7. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29.
8. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
9. [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html). Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127.. Accessed 2026-09-29.

### Sources for the Cyber Insurance Guide

10. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
11. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## At-Bay Review Scores for 2026

Review Score: 9.5 / 10 from 2 rated sources, equally weighted.

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.

- BBB: BBB rating A (A+ to F). At-Bay identity; US commercial insurance review/satisfaction evidence sought on BBB. Period: accessed 2026-09-25. Checked 2026-09-25. [At-Bay | BBB Business Profile](https://www.bbb.org/us/ca/mountain-view/profile/insurance-companies/at-bay-1216-1000025767)
- G2: G2 star rating 4.5 (5 stars); 1 reviews. At-Bay company/product feedback; G2 seller profile identifies its offering as cybersecurity insurance and lists San Francisco headquarters. Not an insurance-policy claims or commercial-buyer satisfaction study. Period: review dated 2020-09-21. Checked 2026-09-25. [At-Bay seller profile and reviews](https://www.g2.com/es/sellers/at-bay)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/at-bay/reviews).

## Foxquilt Review Scores for 2026

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/foxquilt/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-foxquilt/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)