At-Bay vs 
Hiscox: How Do They Compare for Cyber Insurance?
Hiscox sells cyber direct online to small businesses and IT consultants; At-Bay takes emailed or broker-platform submissions, with limits up to $10 million and security tiers.
Hiscox Inc. sells cyber directly online as a standalone product for small businesses and IT consultants, with a licensed-agent phone line during the quote. At-Bay includes Stance monitoring 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 Hiscox Cyber Insurance?
An Online Small-Business Quote Versus Published Mid-Market Ceilings
Hiscox Inc. sells cyber directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on, and it specifically markets to IT and technology consultants. At-Bay includes Stance on every policy and publishes appetite up to $5 billion in revenue and $10 million in limits, with automated broker quotes only to $100 million and $3 million. Choose Hiscox if you want that online small-business or IT-consultant quote; choose At-Bay if you need the higher published ceiling and Stance. 5 6 1
Post-Incident Response Versus Included Monitoring
Hiscox describes post-incident breach-response coverage rather than ongoing security monitoring on the reviewed cyber page, and its appetite guide names Hiscox Insurance Company Inc. as the admitted NOW underwriter. At-Bay includes Stance with vulnerability monitoring and tabletop exercises, lists social engineering for all classes, and publishes a breach-coach line. Hiscox does not publish standard limits; At-Bay does. 5 8 1 4
What Should You Confirm in At-Bay and Hiscox Cyber Insurance Quotes?
At-Bay vs Hiscox Cyber Insurance Compared
At-Bay vs Hiscox: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Hiscox Cyber Security Insurance |
|---|---|---|
| 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. | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. 5Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
| 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. | Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. 5,6Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy. |
| 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. | Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. 5Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page. |
| 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. 1,3Company-reported. 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. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. 8,7Company-reported. Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. |
