At-Bay vs 
Marsh: How Do They Compare for Tech E&O Insurance?
Marsh treats Tech E&O as a professional liability specialty and designs data-center programs that combine it with property and casualty lines. At-Bay offers a Tech E&O product with limits up to $10 million.
At-Bay gives you a defined Tech E&O product with contract and IP terms, limits up to $10 million for companies up to $5 billion in revenue, and Stance security services. Marsh is a broker that designs custom programs, including data-center towers combining Tech E&O with property and casualty, with no published limits. 1,6,5
What Are the Key Differences Between At-Bay and Marsh Tech E&O Insurance?
A Defined Product vs a Custom Broker Program
At-Bay sells Tech E&O as a product with published coverage highlights, primary and excess options for revenue up to $5 billion, limits up to $10 million, and its Stance services. Marsh treats technology E&O as one of its professional liability specialties, alongside banking, insurance, asset management, media and healthcare, and names no insurer or limits. Choose At-Bay if you're a software or services company that wants known terms; choose Marsh if you run data centers or need E&O built into a larger program. 1 6
Software-Contract Wording vs Data-Center Towers
At-Bay's product is built around technology-company contract, IP, negligence and indemnity wording, including service credits you owe customers as covered damages. Marsh says off-the-shelf Tech E&O policies weren't built for the scale and concentration of modern data centers and can leave gaps, so it designs programs combining Tech E&O with property, casualty and other lines. A SaaS company fits At-Bay's form; a hyperscale facility fits Marsh's approach. 1 5
What Should You Confirm in At-Bay and Marsh Tech E&O Insurance Quotes?
- Ask Marsh whether it's designing a data-center program or a standalone Tech E&O placement. 5 1
- Ask both for the issuing insurer. 6 1
- Compare limit, retention and how contract and IP terms are written. 1 5
- Ask whether At-Bay's Stance or Marsh's risk-consulting services come with the bound program. 1 6
At-Bay vs Marsh Tech E&O Insurance Compared
At-Bay vs Marsh: Tech E&O Insurance: documented features by provider
| Criteria | At-Bay Tech E&O Insurance | Marsh Technology Errors and Omissions Insurance |
|---|---|---|
| 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. | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 5Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. |
| 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. | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 6,5Company-reported. Marsh professional liability page and data-center insurance page. |
