---
title: "At-Bay vs Insureon: Professional Liability (E&O) Insurance"
description: "At-Bay publishes primary MPL limits up to $5 million for eligible businesses through broker channels; Insureon describes professional liability through its small-business quote path."
canonical: "https://spot.insure/compare/at-bay-vs-insureon/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "at-bay-vs-insureon"
provider-a: "at-bay"
provider-b: "insureon"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-insureon/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Insureon for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance questions about At-Bay versus Insureon. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Insureon for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, At-Bay or Insureon?
- What does At-Bay or Insureon publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from At-Bay or Insureon?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: At-Bay and Insureon.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [At-Bay vs Insureon](https://spot.insure/compare/at-bay-vs-insureon) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile (evidence)
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [At-Bay vs Insureon Cyber Insurance](https://spot.insure/compare/at-bay-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-at-bay/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-at-bay/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

At-Bay publishes primary MPL limits up to $5 million for eligible businesses through broker channels; Insureon describes professional liability through its small-business quote path.

## How to Use the At-Bay vs Insureon Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate At-Bay and Insureon for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## At-Bay vs Insureon Professional Liability (E&O) Insurance Summary

At-Bay publishes primary MPL limits up to $5 million for eligible businesses and takes submissions from insurance professionals; Insureon describes service-business E&O and offers an online quote request. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/licenses/ "Licenses") [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes")

## What Is At-Bay Insurance?

At-Bay targets technology firms with up to $5 billion in revenue and offers cyber limits up to $10 million, plus technology E&O; buyers seeking a standard online business package should compare other carriers. Managed detection and response costs extra. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What is Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [7](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [8](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between At-Bay and Insureon Professional Liability (E&O) Insurance?

### Published Limit and Eligibility Detail

At-Bay states that its primary miscellaneous professional liability can reach $5 million for businesses of any revenue size, subject to state restrictions and its appetite guide. Insureon describes E&O for service businesses facing client claims but does not publish a limit or profession-by-profession eligibility on the overview page. A business with a higher limit requirement can use At-Bay’s published ceiling as a starting point for a broker discussion; the figure is not a guarantee that a particular applicant or state will qualify. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes")

### Submission Channel

At-Bay directs submissions to licensed insurance professionals, who can email underwriting or use its Broker Platform to prepare quotes, adjust limits and retentions, and bind coverage. Insureon offers a small-business online quote request. Those routes suit different buying workflows: At-Bay’s reviewed path depends on a broker or agent, while Insureon lets a small-business buyer begin online. Neither route alone establishes an offered price or completed binding. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes")

### Coverage Wording and Carrier

At-Bay lists features including defense for disciplinary proceedings, independent-contractor coverage, and a duty-to-defend contract, while Insureon’s overview stays at the level of claims alleging professional mistakes or unsatisfactory work. The current At-Bay product page does not name the issuing insurer, and Insureon likewise leaves carrier identity to the quote. Compare the proposed definitions, defense-cost treatment, exclusions, and insurer rather than relying on the labels MPL and E&O. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes")

## What Should You Confirm in At-Bay and Insureon Professional Liability (E&O) Insurance Quotes?

- Is the requested limit available for your state and profession, and what retentions and defense-cost terms apply? [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes")
- Who is the current issuing insurer, and which At-Bay submission channel or Insureon quote path will service the placement? [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes")

## At-Bay vs Insureon Professional Liability (E&O) Insurance Compared

| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Insureon Professional Liability / E&O Insurance |
| --- | --- | --- |
| Role in This Line | 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: 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. [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: 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..) |
| Issuing Insurer | 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [5](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/ "At-Bay Doubles Miscellaneous Professional Liability Appetite") (Evidence: Not found in reviewed sources; scope: 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..) | Confirm in your quote. |
| Who It’s For | 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: 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..) |
| Coverage Features | 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| How to Apply | 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: 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. [9](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: 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..) |

## Related Pages for At-Bay vs Insureon Professional Liability (E&O)

- [At-Bay vs Insureon](https://spot.insure/compare/at-bay-vs-insureon): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [At-Bay vs Insureon Cyber Insurance](https://spot.insure/compare/at-bay-vs-insureon/cyber)
- [AIG vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-at-bay/professional-errors-omissions)
- [AIG vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-insureon/professional-errors-omissions)
- [Alliance Risk vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/professional-errors-omissions)
- [Alliance Risk vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/professional-errors-omissions)
- [Aon vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-at-bay/professional-errors-omissions)
- [Aon vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-insureon/professional-errors-omissions)

## Sources for At-Bay vs Insureon Professional Liability (E&O) Insurance

### Sources About At-Bay

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. [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.
3. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
5. [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.
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.

### Sources About Insureon

7. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
8. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
9. [Professional Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/professional-liability). Insureon; Product definition L67-L89; quote CTA and target users on page.. Accessed 2026-09-29.

### Sources for the Professional Liability (E&O) Insurance Guide

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
11. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## At-Bay Review Scores for 2026

Review Score: 9.5 / 10 from 2 rated sources, equally weighted.

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.

- BBB: BBB rating A (A+ to F). At-Bay identity; US commercial insurance review/satisfaction evidence sought on BBB. Period: accessed 2026-09-25. Checked 2026-09-25. [At-Bay | BBB Business Profile](https://www.bbb.org/us/ca/mountain-view/profile/insurance-companies/at-bay-1216-1000025767)
- G2: G2 star rating 4.5 (5 stars); 1 reviews. At-Bay company/product feedback; G2 seller profile identifies its offering as cybersecurity insurance and lists San Francisco headquarters. Not an insurance-policy claims or commercial-buyer satisfaction study. Period: review dated 2020-09-21. Checked 2026-09-25. [At-Bay seller profile and reviews](https://www.g2.com/es/sellers/at-bay)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/at-bay/reviews).

## Insureon Review Scores for 2026

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/insureon/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-insureon/professional-errors-omissions.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)
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