---
title: "At-Bay vs Markel Insurance: Tech E&O Insurance"
description: "At-Bay publishes Tech E&O limits up to $10 million and includes security services; Markel names software, hardware, and consulting businesses in its Tech E&O audience."
canonical: "https://spot.insure/compare/at-bay-vs-markel/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "at-bay-vs-markel"
provider-a: "at-bay"
provider-b: "markel"
coverage-line: "technology-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Markel Insurance for Tech 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 Tech E&O Insurance questions about At-Bay versus Markel Insurance. 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 Markel Insurance for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Markel Insurance?
- What does At-Bay or Markel Insurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from At-Bay or Markel Insurance?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Markel Insurance.
- 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 2026-09-30. Editorial policy: /editorial-policy.

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

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

At-Bay publishes Tech E&O limits up to $10 million and includes security services; Markel names software, hardware, and consulting businesses in its Tech E&O audience.

## How to Use the At-Bay vs Markel Insurance Tech E&O Insurance Comparison

Use this comparison to evaluate At-Bay and Markel Insurance for Tech 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 Markel Insurance Tech E&O Insurance Summary

At-Bay describes primary and excess Tech E&O limits up to $10 million for companies up to $5 billion in revenue, with Stance services included. Markel describes technology E&O for IT businesses, including software/SaaS, hardware, and consultants, but does not publish a comparable limit in its offering record. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## 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)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [7](https://www.markel.com/about-us "About us") [8](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

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

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [13](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [14](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [15](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [16](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

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

### Revenue and Limit Range

At-Bay says it writes primary and excess Tech E&O for businesses with revenue up to $5 billion and limits up to $10 million; broker-platform automated quotes are narrower, up to $100 million in revenue and $3 million in limits. Markel lists software/SaaS, hardware, and consultants as target technology businesses but gives no comparable ceiling in its record. A large technology company should distinguish At-Bay's underwriting appetite from the broker platform's automated bounds and ask Markel for available capacity. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Contract, Negligence, and IP Terms

At-Bay names coding errors, failed implementations, network outages, and contractual indemnity, and says its wording extends breach-of-contract and IP protection to specified scenarios such as trade-secret misappropriation and source-code license violations. Markel describes professional liability for technology services broadly but does not enumerate those terms in its offering record. If customer contracts promise delivery or indemnity, compare the exact form language rather than relying on the product label. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Security Services and Quote Route

At-Bay includes access to Stance—vulnerability monitoring, vCISO advice, tabletop exercises, and security-awareness training—with each Tech E&O policy; MDR is a separate purchase. At-Bay accepts email submissions or broker-platform quotes, while Markel directs buyers or brokers to contact its underwriting team. Ask whether Markel offers comparable services and which route fits your revenue and requested limit. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

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

- Ask At-Bay whether your revenue and limit qualify for automated quoting or need an underwriting submission, and confirm the issuer on the actual quote. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper")

- Ask Markel for its available Tech E&O limit and whether the form addresses contract indemnity, source-code disputes, and included security services. [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## At-Bay vs Markel Insurance Tech E&O Insurance Compared

| Criteria | At-Bay Tech E&O Insurance | Markel technology errors omissions (official overview) |
| --- | --- | --- |
| 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. [4](https://www.at-bay.com/licenses/ "Licenses") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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..) | Markel describes offering technology errors omissions for the audience stated on the cited product page. [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..) | The cited product page describes professional liability for broadly defined technology services, including software/SaaS, hardware, and consulting examples. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change..) | Confirm in your quote. |
| 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. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings..) | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [9](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Claims Support | At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. [6](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Not found in reviewed sources; scope: Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one..) | Confirm in your quote. |

## Related Pages for At-Bay vs Markel Insurance Tech E&O Insurance

- [At-Bay vs Markel Insurance](https://spot.insure/compare/at-bay-vs-markel): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [At-Bay vs Markel Insurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-markel/cyber)
- [At-Bay vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-markel/professional-errors-omissions)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions)
- [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions)
- [Alliance Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/technology-errors-omissions)
- [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/technology-errors-omissions)
- [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions)
- [Amelia Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions)

## Sources for At-Bay vs Markel Insurance Tech 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. [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; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
5. [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: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
6. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Markel Insurance

7. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
8. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
9. [IT Professionals E&O Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals). Markel; Who is this for; software/SaaS, hardware, consultants; professional liability and cyber sections.. Accessed 2026-09-30.

### Sources for the Tech E&O Insurance Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
12. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
13. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
14. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
15. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
16. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.

Updated 2026-09-30. 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).

## Markel Insurance Review Scores for 2026

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-markel/technology-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)
- [Public page index](https://spot.insure/llms.txt)