---
title: "At-Bay vs Marsh: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-marsh/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-marsh"
provider-a: "at-bay"
provider-b: "marsh"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Marsh 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 Marsh. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Marsh for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Marsh?
- What does At-Bay or Marsh publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

# 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 sells a defined Tech E&O product for tech companies up to $5 billion in revenue with limits up to $10 million, while Marsh builds Tech E&O into custom programs, including data-center towers with property and casualty.

## At-Bay vs Marsh Tech E&O Insurance Summary

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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

### 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## 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](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Ask both for the issuing insurer. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Compare limit, retention and how contract and IP terms are written. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Ask whether At-Bay's Stance or Marsh's risk-consulting services come with the bound program. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

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

| 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. [1](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. [1](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..) | 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. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/licenses/ "Licenses") [3](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..) | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Marsh professional liability page and data-center insurance page..) |

## About At-Bay and Marsh and Tech E&O Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

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

- [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh): 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 Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Marsh Tech E&O Insurance](https://spot.insure/insurance-providers/marsh/technology-errors-omissions)

## Sources for At-Bay vs Marsh Tech E&O Insurance

### Sources About At-Bay

1. [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.
2. [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.
3. [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.
4. [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 Marsh

5. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
6. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-marsh/technology-errors-omissions.md)
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