At-Bay vs 
Kinro: How Do They Compare for Cyber Insurance?
Kinro is a broker that matches a carrier using revenue, data volume and MFA and backups; At-Bay places cyber through its own producer, with security tiers and an in-house claims team.
Kinro says cyber commonly fits professional services, retail, restaurants and SaaS, and collects revenue, record counts and security controls such as MFA and backups to 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 Kinro Cyber Insurance?
Restaurant-and-Retail Matching Versus Published Appetite Ceilings
Kinro is a broker that matches a business to a cyber carrier and says the line commonly fits professional services, retail, restaurants and SaaS when they store customer, payment, employee or health information. To quote, it collects revenue, record counts, payment handling and data types, plus MFA, backups, email protections and vendor access. At-Bay describes coverage by features and limit ceilings rather than those trades, with Stance included and appetite up to $5 billion in revenue and $10 million in limits. Choose Kinro if you want that matching process for a restaurant or retail operation; choose At-Bay if you want Stance and those published ceilings. 5 1
Submission Fields Versus a Breach-Coach Line
Kinro often reviews cyber together with E&O and does not publish limits. At-Bay lists social engineering for all classes, includes Stance, and publishes a breach-coach phone line plus an in-house claims roadmap. At-Bay's Broker Platform automates quotes only to $100 million in revenue and $3 million in limits; Kinro does not describe an automated bind path. 5 1 4
What Should You Confirm in At-Bay and Kinro Cyber Insurance Quotes?
At-Bay vs Kinro Cyber Insurance Compared
At-Bay vs Kinro: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Kinro Cyber Liability |
|---|---|---|
| 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. | To quote cyber liability, Kinro collects revenue, record counts, payment handling and data types, plus security controls such as MFA, backups, email protections and vendor access, and often reviews cyber together with E&O, BOP and D&O coverage. 5Company-reported. Cyber Liability page "Quote file" and "Reviewed with" sections. |
| 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. | Kinro says cyber liability placements typically address data breach, ransomware, privacy, funds-transfer fraud and incident-response questions, along with exposures tied to vendor, payment, customer-data and employee-data handling. 5Company-reported. Cyber Liability page "Coverage" section; actual terms depend on the carrier and policy placed. |
| 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. | Kinro is a broker: it matches a business to a cyber liability carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 5Company-reported. Cyber Liability page "Routing" and "Market fit" sections. |
