At-Bay vs Insureon: How Do They Compare for Professional Liability (E&O) Insurance?

At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. ^3,4Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.

Insureon markets Professional Liability, also called Errors & Omissions, through its small-business quote channel. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. ^3,5Not found in reviewed sources. Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper.

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At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. ³Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.

The page addresses service businesses exposed to client claims; the eligible professions and carrier appetite depend on the application and quote. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. ³Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.

The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. ³Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.

The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ⁹Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.

At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. ^3,6Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.

The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.