---
title: "At-Bay vs Heffernan Insurance Brokers: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-heffernan/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-heffernan"
provider-a: "at-bay"
provider-b: "heffernan"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Heffernan Insurance Brokers for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or Heffernan Insurance Brokers?
- What does At-Bay or Heffernan Insurance Brokers publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Heffernan Insurance Brokers](https://spot.insure/compare/at-bay-vs-heffernan) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 maintains a cyber risk team that shops multiple insurers; At-Bay sells a named product with Stance included and published appetite up to $5 billion in revenue.

## At-Bay vs Heffernan Insurance Brokers Cyber Insurance Summary

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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [4](https://www.at-bay.com/claims/ "Claims Handling")

## 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")
- Ask At-Bay which appetite band and Stance tier apply. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Treat Heffernan's premium range as a market illustration, not your quote. [5](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")

## At-Bay vs Heffernan Insurance Brokers Cyber Insurance Compared

| 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. [1](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..) | 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. [5](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [1](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. [1](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..) | 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. [5](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/licenses/ "Licenses") [3](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..) | 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. [5](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [5](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's services description..) |

## About At-Bay and Heffernan Insurance Brokers and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs Heffernan Insurance Brokers Cyber

- [At-Bay vs Heffernan Insurance Brokers](https://spot.insure/compare/at-bay-vs-heffernan): 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 Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/insurance-providers/heffernan/cyber)

## Sources for At-Bay vs Heffernan Insurance Brokers Cyber Insurance

### Sources About At-Bay

1. [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.
2. [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.
3. [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.
4. [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 Heffernan Insurance Brokers

5. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. Accessed 2026-09-23.

Updated 2026-09-25. 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.

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