At-Bay vs HUB International: How Do They Compare for Tech E&O Insurance?

HUB International sends tech buyers to a broker for customized E&O, with no online quote flow. At-Bay lets brokers pull automated quotes for businesses up to $100 million in revenue and $3 million in limits.

At-Bay sells its own Tech E&O with limits up to $10 million for companies with up to $5 billion in revenue, and brokers can get automated quotes up to $3 million. HUB is a broker that shops tech E&O for startups and established firms and addresses prior-acts and tail coverage. ^1,^5,⁶

What Are the Key Differences Between At-Bay and HUB International Tech E&O Insurance?

A Defined Product With Published Appetite vs a Broker That Shops the Market

At-Bay sells a defined Tech E&O policy, with Stance included on every policy, and publishes primary and excess limits up to $10 million for companies with revenue up to $5 billion; its Broker Platform gives automated quotes up to $3 million for companies up to $100 million in revenue, or you can submit by email. HUB doesn’t underwrite; its E&O and technology practices place cover with insurers that vary by placement, and it says it insures more than 5,000 technology companies, from startups to established software, hardware and digital-media firms. Choose At-Bay if you’re under $100 million in revenue and want a fast quote; choose HUB if you want a broker to shop several insurers. ¹ ² ⁵ ⁶

Contract and Service-Credit Cover vs Prior Acts and Tail

At-Bay covers negligence and contractual indemnity, treats service credits you owe clients as damages, and offers expanded contract and IP terms. HUB says E&O typically covers defense, judgments, settlements and fines, and can include prior-acts cover back to a retroactive date plus tail coverage, which matter when you switch insurers or wind down. At-Bay doesn’t describe prior-acts or tail options. ¹ ⁵

What Should You Confirm in At-Bay and HUB International Tech E&O Insurance Quotes?

Ask HUB which insurer it proposes, and check the insurer named on At-Bay’s quote. ⁵ ¹
Ask At-Bay about the retroactive date and tail; its materials don’t describe them. ⁵ ¹
Get per-claim and aggregate limits; HUB publishes none. ⁵ ¹
Confirm Stance is included on your At-Bay quote. ¹

At-Bay vs HUB International Tech E&O Insurance Compared

At-Bay vs HUB International: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	HUB International Technology Errors and Omissions Insurance
How to Apply	You apply for At-Bay Tech E&O 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.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁵Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁵Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
Role in This Line	At-Bay places Tech E&O 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) Tech E&O 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 covering Cyber and Tech E&O together, not confirmed for every current quote.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^5,⁶Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.

Criteria

At-Bay Tech E&O Insurance

HUB International Technology Errors and Omissions Insurance

How to Apply

You apply for At-Bay Tech E&O 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.

HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁵Company-reported. Product-page call to action as read 2026-09-23.

Coverage Features

At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁵Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.

Role in This Line

At-Bay places Tech E&O 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) Tech E&O 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 covering Cyber and Tech E&O together, not confirmed for every current quote.

HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^5,⁶Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.