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

Heffernan Insurance Brokers shops several carriers through a cyber risk team; At-Bay writes through its own producer and offers tiered security options with an in-house claims team.

Heffernan says its cyber risk team assesses exposure, shops the market and presents options, and that a placed policy can include forensics and PR advisors. At-Bay includes Stance on every policy and writes primary and excess cyber for revenue up to $5 billion and limits up to $10 million. ^5,¹

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

A Market-Shopping Team Versus Stance on a Named Product

Heffernan says it maintains a cyber risk team that determines exposure, shops the market, presents options and guides coverage selection, arranging the policy with insurers rather than underwriting it. At-Bay sells a feature-based product with Stance included and published appetite up to $5 billion in revenue and $10 million in limits. Choose Heffernan if you want that shopping team to compare carriers; choose At-Bay if you want Stance on a named product with those published ceilings. ⁵ ¹

Forensics Access Versus a Breach-Coach Line

Heffernan describes arranged policies as covering data recovery, legal fees, notification and business interruption, and says a policy can also provide access to incident-response experts such as IT forensics specialists and public-relations advisors. Its FAQ gives only a general market premium range of a few hundred to several thousand dollars. At-Bay lists social engineering for all classes, publishes a breach-coach phone line and an in-house claims roadmap, and does not publish a typical premium. ⁵ ¹ ⁴

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

Ask Heffernan which insurers it will shop and which response experts attach. ⁵
Ask At-Bay which appetite band and Stance tier apply. ¹
Treat Heffernan's premium range as a market illustration, not your quote. ⁵

At-Bay vs Heffernan Insurance Brokers Cyber Insurance Compared

At-Bay vs Heffernan Insurance Brokers: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	Heffernan Cyber Security Insurance Brokerage
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.	Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ⁵Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.
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.	Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ⁵Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.
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.	Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ⁵Company-reported. Cyber Security Insurance page's description of the cyber risk team.
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. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ⁵Company-reported. Cyber Security Insurance page's services description.