---
title: "At-Bay vs Gallagher Insurance"
description: "Compare At-Bay’s technology product with Gallagher’s broader technology brokerage, including continuity for former Woodruff Sawyer clients."
canonical: "https://spot.insure/compare/at-bay-vs-gallagher"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "Gallagher"]
---

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

# At-Bay vs Gallagher Insurance

Compare At-Bay’s technology product with Gallagher’s broader technology brokerage, including continuity for former Woodruff Sawyer clients.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Gallagher against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay markets specialist cyber and technology insurance. Gallagher offers technology and executive-risk brokerage; Woodruff Sawyer is now part of Gallagher and is treated here as history rather than a separate provider. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [14](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")



## Introduction

A former Woodruff Sawyer client approaching renewal may need to understand organizational continuity before changing insurance. Gallagher’s transition materials place Woodruff Sawyer within Gallagher. At-Bay is a separate specialist product consideration. Distinguish the adviser managing the renewal from the cyber or technology policy the company ultimately buys. [14](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### Gallagher

- Technology specialists for startups through global enterprises. [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [20](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
- Executive-risk and transaction support, including IPOs and M&A. [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | Gallagher |
| --- | --- | --- |
| Builders risk | Not listed | Listed [24](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") |
| Business owner’s policy | Not listed | Listed [19](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") |
| Commercial auto | Not listed | Listed [19](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") |
| Commercial property | Not listed | Listed [19](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") |
| Crime | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") |
| Directors and officers | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| Employee health and benefits | Not listed | Listed [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") |
| Employment practices liability | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| Equipment breakdown | Not listed | Listed [24](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") |
| Fidelity bonds | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| Fiduciary liability | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| General liability | Not listed | Listed [19](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") |
| Intellectual property | Not listed | Listed [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") |
| Kidnap and ransom | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| Product liability | Not listed | Listed [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") |
| Product recall | Not listed | Listed [25](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [19](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") |
| Representations and warranties | Not listed | Listed [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") |
| Surety bonds | Not listed | Listed [20](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [23](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") |
| Workers’ compensation | Not listed | Listed [19](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between at-Bay and Gallagher

### Brokerage Continuity Is Its Own Decision

Gallagher’s transition materials address the former Woodruff Sawyer relationship and legacy access points. Confirm the current team, producer and portal for the account rather than treating the old name as another competing broker. At-Bay’s broker platform does not answer those continuity questions, nor does it establish access through a particular Gallagher team. [14](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform")

### Technology and Board Risks Need Coordinated Proposals

Gallagher describes technology-sector brokerage and executive-risk services. Those can support a wider financing or public-company planning discussion than the At-Bay technology policy alone. At-Bay’s combined Tech E&O and cyber offer should be compared with the specific technology placement Gallagher proposes, while management coverages remain separately identified. [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### A Group Disclosure Does Not Identify Every Engagement

Gallagher’s small-business producer disclosures name a particular entity and California route, which should not automatically be assigned to every former Woodruff Sawyer account. Its compensation materials describe commissions and possible additional remuneration. Ask for the entity and compensation agreement governing this engagement, alongside the insurer and any At-Bay security charges on the product quote. [18](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [17](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") [7](https://www.at-bay.com/stance/ "At-Bay Stance")

## What to Confirm in Quotes

Request the renewal owner, legal producer, insurer alternatives and California acceptance. If AI services are relevant, ask for the policy wording supporting the proposed protection: Gallagher’s AI service description does not establish a standalone AI policy. Keep any advisory deliverables distinct from the coverage schedule. [26](https://www.ajg.com/insurance/ai-insurance-solutions/ "AI Insurance Solutions") [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance")



## Service Comparison

At-Bay vs Gallagher Insurance: documented services and availability.

| Criteria | At-Bay | Gallagher |
| --- | --- | --- |
| Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [16](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)<br><br>Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [14](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)<br><br>Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. [18](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [14](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) |
| Customer focus | At-Bay markets Tech E&O to technology businesses. Its current product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits; the broker-platform route has lower published ceilings of $100 million in revenue and $3 million in limits. These are appetite ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)<br><br>A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | Gallagher markets a technology-specialist practice to startups, middle-market businesses and global enterprises, alongside a small-business offering for IT professionals and technology businesses. [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [20](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)<br><br>The reviewed technology and small-business pages do not state a minimum premium, funding round or revenue requirement for engaging the team. Ask which service model applies to a bootstrapped business. [15](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [20](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [21](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") (Evidence: Not publicly disclosed; scope: Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.; verified: 2026-09-16.) |
| Application process | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. [21](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [22](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) |
| Fees and compensation | Stance access uses an Embedded Security Fee and Endorsement, while MDR is separately purchased. Security costs should be distinguished from the insurance premium and any broker charges. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Does not describe included security as free or quote an unverified fee amount.; verified: 2026-09-16.)<br><br>Commission rates, broker compensation arrangements and a complete placement-fee schedule were not disclosed in the reviewed product, platform and US terms pages. This does not establish that commissions or fees are absent; request an itemized quote and compensation disclosure. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [10](https://www.at-bay.com/terms-of-service/ "Terms of Service") (Evidence: Not publicly disclosed; scope: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified: 2026-09-16.) | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [17](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher)

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## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

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. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [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.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [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: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [Gallagher Official Website](https://www.ajg.com/)

14. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
15. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
16. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
17. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
18. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
19. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
20. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
21. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
22. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
23. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
24. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
25. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
26. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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