--- title: "At-Bay vs HUB International Insurance" description: "Compare At-Bay’s technology product with HUB’s local and Insureon brokerage routes, focusing on the service channel actually offered." canonical: "https://spot.insure/compare/at-bay-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "At-Bay", "HUB International"] --- [Human-readable page](https://spot.insure/compare/at-bay-vs-hub-international) # At-Bay vs HUB International Insurance Compare At-Bay’s technology product with HUB’s local and Insureon brokerage routes, focusing on the service channel actually offered. ## Research Scope and Use Use this comparison to evaluate At-Bay and HUB International 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 offers specialist cyber and technology insurance. HUB is a broad brokerage with local offices and an affiliated Insureon small-commercial route, including technology-sector coverage and advisory services. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [17](https://www.hubinternational.com/about-us/ "About Us") [22](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [49](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") ## Introduction A founder contacting HUB may encounter a local adviser or an affiliated online route. HUB’s business-insurance entry point directs smaller businesses toward Insureon using employee or revenue criteria. At-Bay’s platform is a broker route to specialist products. Compare the service channel actually offered, then compare the policy proposed through that channel. [22](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [47](https://www.insureon.com/about-us "About Insureon") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") ## 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.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [21](https://www.hubinternational.com/contact-us/ "Contact Us") [24](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [25](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [26](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [19](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | At-Bay | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Not listed | Listed [31](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Not listed | Listed [32](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Not listed | Listed [34](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [26](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Not listed | Listed [25](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [43](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [14](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Not listed | Listed [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Not listed | Listed [24](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Not listed | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Not listed | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Medical malpractice | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [27](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [28](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [39](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [37](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | 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 [40](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [44](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Not listed | Listed [30](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | 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 HUB International ### Website Routing Is Not an Underwriting Decision HUB’s small-commercial gate refers to businesses with 50 or fewer employees or revenue below $5 million. That directs the inquiry; it does not establish eligibility for every listed coverage or guarantee a local advisory team. Ask which producer will handle the account, what review is included and when it would move to another service channel. [22](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [48](https://www.insureon.com/legal/licenses "Insurance Licenses by State") ### Related Brokerage Brands May Reach the Same Markets HUB’s Insureon affiliation and TechInsurance’s use of that platform matter if the finance team solicits several proposals. Ask whether submissions overlap and who controls each market approach. At-Bay may be a product a broker investigates, but no reviewed public document establishes access through the particular HUB channel offered here. [49](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [50](https://www.techinsurance.com/about-us "About Us | TechInsurance") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") ### Program Administration and Cyber Security Are Different Scopes HUB describes risk-information services with differing service levels and claims-management assistance. At-Bay’s Stance services focus on security controls and guidance. A startup should specify which HUB tools and advisers are included rather than treating the group’s full capabilities as standard features of a small-business policy. [46](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [45](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") [7](https://www.at-bay.com/stance/ "At-Bay Stance") ## What to Confirm in Quotes Request the assigned producer, service tier, submission list, insurer and California acceptance. Obtain compensation details, including any affiliate involvement, separately from policy and security charges. HUB’s local presence does not by itself resolve the legal placement route. [20](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [14](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [5](https://www.at-bay.com/licenses/ "Licenses") ## Service Comparison At-Bay vs HUB International Insurance: documented services and availability. | Criteria | At-Bay | HUB International | | --- | --- | --- | | 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.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [17](https://www.hubinternational.com/about-us/ "About Us") [18](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [22](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [17](https://www.hubinternational.com/about-us/ "About Us") [47](https://www.insureon.com/about-us "About Insureon") [48](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [49](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [50](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; 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.)

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.) | HUB’s San Francisco Mission Street office says its brokers work across commercial lines, personal lines and high-net-worth, and employee benefits, and names Bay Area industries including technology, venture capital, healthcare and life sciences, real estate and construction. The same page says the team helps startups navigate risk. That is office marketing, not a published eligibility list. [14](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [15](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)

HUB’s technology-company page addresses fast-growing startups and established software, hardware or digital-media businesses. It lists a technology-specific mix that includes professional liability/technology E&O, cyber, D&O and other management liability, transactional/warranty insurance, workers’ compensation, employee benefits and key-person coverages. The page also claims more than 5,000 technology companies currently insured; that figure is company-reported and was not independently counted here. [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)

HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [21](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; 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.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [21](https://www.hubinternational.com/contact-us/ "Contact Us") [24](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [25](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [26](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [23](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [19](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Servicing and renewals | At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. [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.)

At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)

At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [29](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [46](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [43](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | ## Related Reading - [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs At-Bay Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley) - [At-Bay vs CFC Insurance](https://spot.insure/compare/at-bay-vs-cfc) - [At-Bay vs Chubb Insurance](https://spot.insure/compare/at-bay-vs-chubb) - 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[At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers) - [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi) - [At-Bay vs Vouch Insurance](https://spot.insure/compare/at-bay-vs-vouch) - [At-Bay vs WithCoverage Insurance](https://spot.insure/compare/at-bay-vs-withcoverage) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) - [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Coterie vs HUB International](https://spot.insure/compare/coterie-vs-hub-international) - [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international) - [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## 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. ### [HUB International Official Website](https://www.hubinternational.com) 14. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 15. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 16. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 17. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 18. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 19. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 20. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 21. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 22. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 23. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 24. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 25. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 26. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 27. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 28. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 29. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 30. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 31. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 32. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 33. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 34. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 35. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 36. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 37. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 38. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 39. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 40. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 41. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 42. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 43. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 44. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 45. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 46. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 47. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 48. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 49. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 50. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 51. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/at-bay-vs-hub-international.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)