--- title: "At-Bay vs Marsh" description: "Compare At-Bay’s technology policy and security services with Marsh’s placement and cyber claims advice." canonical: "https://spot.insure/compare/at-bay-vs-marsh" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "At-Bay", "Marsh"] --- [Human-readable page](https://spot.insure/compare/at-bay-vs-marsh) # At-Bay vs Marsh Compare At-Bay’s technology policy and security services with Marsh’s placement and cyber claims advice. ## Research Scope and Use Use this comparison to evaluate At-Bay and Marsh against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights At-Bay markets combined technology E&O and cyber insurance with Stance security services. Marsh offers technology and cyber brokerage, including claims advocacy and broader program advice. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [22](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") ## Introduction At-Bay offers combined technology E&O and cyber insurance through brokers, with associated security services. Marsh offers technology and cyber brokerage and claims advice. A company dissatisfied with its current arrangement should separate three questions: whether the policy fits its contracts, whether security support is useful and whether it needs a different adviser to manage the program. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") ## Documented Provider Strengths ### At-Bay - Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.) - Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.) ### Marsh - Marsh brokers insurance and advises on risk for companies across industries, with a Technology Practice and a US/Canada middle-market path through Marsh McLennan Agency. [14](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [33](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; verified: 2026-09-16.) - Marsh places cyber insurance through a dedicated practice and markets large digital-infrastructure property placements through Stratus, alongside MMA executive, property, casualty and benefits brokerage. [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [37](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | At-Bay | Marsh | | --- | --- | --- | | Builders risk | Not listed | Listed [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | | Commercial property | Not listed | Listed [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | | Crime | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [37](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | | Directors and officers | Not listed | Listed [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Employee health and benefits | Not listed | Listed [42](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [35](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | | Employment practices liability | Not listed | Listed [25](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Equipment breakdown | Not listed | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Fidelity bonds | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Fiduciary liability | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | General liability | Not listed | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Intellectual property | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Kidnap and ransom | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Management liability | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [27](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | | Media liability | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Surety bonds | Not listed | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [41](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | | Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | | Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Not listed | | Workers’ compensation | Not listed | Listed [40](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between at-Bay and Marsh ### A Product Comparison Is Not a Broker Comparison At-Bay’s platform supports brokers applying for and binding its products. Marsh describes selecting insurers and negotiating terms for clients. Compare an At-Bay offer with the specific insurer and form Marsh proposes, then evaluate the advisory engagement separately. There is no basis here to assume that a particular Marsh team can place At-Bay or that buying a specialist product addresses the rest of the company’s insurance needs. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [36](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") ### Customer Remedies Need Wording-Level Review At-Bay’s technology page describes coding errors, failed implementations, contractual indemnity and service credits issued to settle a claim. Those highlights remain subject to policy terms. Marsh’s professional-liability practice offers risk-transfer design for technology companies. Provide the customer contract and ask how each proposed form treats the promised remedies, rather than assuming every indemnity or service credit is insured. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") ### Security Operations and Loss Preparation Are Different Work At-Bay distinguishes Stance access under an Embedded Security Fee from separately purchased managed detection and response. Marsh’s cyber advocates describe preparing claims and proof of loss with insurers and forensic accountants. Ask which tasks are included, what remains with the internal security team and which costs are separate. Neither service description establishes better incident outcomes. [7](https://www.at-bay.com/stance/ "At-Bay Stance") [22](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") ## What to Confirm in Quotes Request California acceptance, the current legal insurer, contractual-liability wording and total service charges. At-Bay’s 2023 carrier announcement is not enough to identify today’s quote. Also agree on renewal approval: its platform describes rapid and manual routes, while Marsh’s responsibilities depend on the engagement. [11](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") [5](https://www.at-bay.com/licenses/ "Licenses") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## Service Comparison At-Bay vs Marsh: documented services and availability. | Criteria | At-Bay | Marsh | | --- | --- | --- | | Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [15](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [32](https://affinity.marsh.com/affinity/licensing.html "Licensing") [33](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [14](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [44](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; verified: 2026-09-16.) | | Coverage lines | At-Bay describes Tech E&O as combining professional liability and cyber protection, including coding errors, failed implementations and customer contractual indemnity. It also describes service credits issued to settle a claim as payable damages, subject to policy terms. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)

At-Bay markets cyber coverage for direct and contingent business interruption and system failure, cyber extortion, privacy liability, and financial fraud exposures such as social engineering and invoice manipulation. Specific limits and conditions require the quote and policy. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") (Evidence: Company-reported; scope: Current cyber product offering; components are not separate catalogue products.; verified: 2026-09-16.)

At-Bay markets miscellaneous professional liability (MPL) on a primary basis for businesses of all revenue sizes, with limits up to $5 million and state restrictions. The product page describes claims-made-and-reported coverage, a duty to defend and a tailored definition of professional services. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current MPL page; eligibility and policy wording remain underwriting-specific.; verified: 2026-09-16.)

At-Bay advertises excess Cyber and Tech E&O alongside primary coverage. The excess catalogue entry refers to those specialist lines; it does not establish a general commercial umbrella offering. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Shared umbrella-excess key used only for explicitly marketed excess products.; verified: 2026-09-16.) | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [37](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)

Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [25](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [27](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL in this draft.; verified: 2026-09-16.)

MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [36](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [40](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [41](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [42](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; verified: 2026-09-16.) | | Application process | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [28](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [29](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [34](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; verified: 2026-09-16.) | | Access to insurers | At-Bay announced in August 2023 that eligible new E&S Cyber and Tech E&O business would be quoted on At-Bay Specialty Insurance Company paper. That historical announcement does not identify the insurer on a current California quote or establish the issuer for MPL. [11](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: Historical announcement effective August 7, 2023; no buyer-specific policy reviewed.; verified: 2026-09-16.)

The current MPL product page does not name its issuing insurer. A September 2023 announcement names United Specialty Company for MPL, but that historical reference is insufficient to establish the current contracting insurer or California placement. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [13](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: Current issuer not established; preserve source spelling without converting historical brand wording into a verified legal-entity record.; verified: 2026-09-16.) | Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. [36](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [32](https://affinity.marsh.com/affinity/licensing.html "Licensing") (Evidence: Not publicly disclosed; scope: No verified carrier panel, ratings or admitted-status schedule. Amazon/Affinity producer language is program-specific.; verified: 2026-09-16.) | | Availability | At-Bay lists California P&C and surplus-lines license number 0L73812 for At-Bay Insurance Services LLC. This is a company disclosure, not an independently checked California Department of Insurance record or confirmation that a particular product is available. [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: California producer route; no regulator record retrieved.; verified: 2026-09-16.)

The reviewed product and licensing pages do not establish current California eligibility for a specific startup, product and issuing insurer. At-Bay warns that products may not be available in every state, and MPL has state restrictions; obtain California placement confirmation through the broker. [5](https://www.at-bay.com/licenses/ "Licenses") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Not found in reviewed sources; scope: Reviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.; verified: 2026-09-16.) | Marsh markets services in 130 countries. MMA is described as serving middle-market companies in the United States and Canada. Reviewed pages do not publish a product-by-state eligibility schedule, admitted versus surplus-lines map, or a California-only startup program. A California office mention, if any, would not by itself establish that a given policy can be issued to a California company. Confirm licensed producer, surplus-lines broker if used, and product availability for the insured’s locations. [14](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [35](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [33](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [19](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html "Fintech Industry Insurance") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Not publicly disclosed; scope: No independently verified 50-state appointment list. Fintech page examples are UK-weighted and are not treated as a California product route.; verified: 2026-09-16.)

Marsh Affinity’s licensing page lists Marsh USA LLC property-and-casualty licenses as of 8 March 2024, including California license 437153. A 2006 California Insurance Commissioner decision used license 0437153 for Marsh USA, Inc. dba Marsh Risk and Insurance Services. Present-day California authority remains unverified against a current regulator license record. A license number is not a determination that a specific coverage is available in California. [32](https://affinity.marsh.com/affinity/licensing.html "Licensing") [44](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") [45](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "License Number Search") (Evidence: Not found in reviewed sources; scope: Company-reported table plus historical CDI caption. CDI lookup not completed past public search landing. No invented active/inactive status.; verified: 2026-09-16.) | ## Related Reading - [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay) - [What Is Marsh?](https://spot.insure/insurance-providers/marsh) ## Related Comparisons - [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay) - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Amelia Risk vs At-Bay Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay) - [Armilla vs Marsh](https://spot.insure/compare/armilla-vs-marsh) - [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley) - [At-Bay vs CFC Insurance](https://spot.insure/compare/at-bay-vs-cfc) - [At-Bay vs Chubb Insurance](https://spot.insure/compare/at-bay-vs-chubb) - [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition) - [At-Bay vs Corgi Insurance](https://spot.insure/compare/at-bay-vs-corgi) - [At-Bay vs Coterie Insurance](https://spot.insure/compare/at-bay-vs-coterie) - [At-Bay vs Coverdash Insurance](https://spot.insure/compare/at-bay-vs-coverdash) - [At-Bay vs Cowbell Insurance](https://spot.insure/compare/at-bay-vs-cowbell) - [At-Bay vs Embroker Insurance](https://spot.insure/compare/at-bay-vs-embroker) - [At-Bay vs Founder Shield Insurance](https://spot.insure/compare/at-bay-vs-foundershield) - [At-Bay vs Gallagher Insurance](https://spot.insure/compare/at-bay-vs-gallagher) - [At-Bay vs Harper Insurance](https://spot.insure/compare/at-bay-vs-harper) - [At-Bay vs Heffernan Insurance Brokers Insurance](https://spot.insure/compare/at-bay-vs-heffernan) - [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [At-Bay vs Kinro Insurance](https://spot.insure/compare/at-bay-vs-kinro) - [At-Bay vs Layr Insurance](https://spot.insure/compare/at-bay-vs-layr) - [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton) - [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo) - [At-Bay vs Newfront Insurance](https://spot.insure/compare/at-bay-vs-newfront) - [At-Bay vs ERGO NEXT Insurance](https://spot.insure/compare/at-bay-vs-next-insurance) - [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance) - [At-Bay vs Relm Insurance](https://spot.insure/compare/at-bay-vs-relm) - [At-Bay vs Resilience Insurance](https://spot.insure/compare/at-bay-vs-resilience) - [At-Bay vs RiskCube Insurance](https://spot.insure/compare/at-bay-vs-riskcube) - [At-Bay vs Risklytics Insurance](https://spot.insure/compare/at-bay-vs-risklytics) - [At-Bay vs StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance) - [At-Bay vs TechInsurance](https://spot.insure/compare/at-bay-vs-techinsurance) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers) - [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi) - [At-Bay vs Vouch Insurance](https://spot.insure/compare/at-bay-vs-vouch) - [At-Bay vs WithCoverage Insurance](https://spot.insure/compare/at-bay-vs-withcoverage) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - [CFC vs Marsh](https://spot.insure/compare/cfc-vs-marsh) - [Chubb vs Marsh](https://spot.insure/compare/chubb-vs-marsh) - [Coalition vs Marsh](https://spot.insure/compare/coalition-vs-marsh) - [Corgi vs Marsh](https://spot.insure/compare/corgi-vs-marsh) - [Coterie vs Marsh](https://spot.insure/compare/coterie-vs-marsh) - [Coverdash vs Marsh](https://spot.insure/compare/coverdash-vs-marsh) - [Cowbell vs Marsh](https://spot.insure/compare/cowbell-vs-marsh) - [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh) - [Founder Shield vs Marsh](https://spot.insure/compare/foundershield-vs-marsh) - [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh) - [Harper vs Marsh](https://spot.insure/compare/harper-vs-marsh) - [Heffernan vs Marsh](https://spot.insure/compare/heffernan-vs-marsh) - [Hiscox vs Marsh](https://spot.insure/compare/hiscox-vs-marsh) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [Kinro vs Marsh](https://spot.insure/compare/kinro-vs-marsh) - [Layr vs Marsh](https://spot.insure/compare/layr-vs-marsh) - [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) - [Marsh vs Mylo](https://spot.insure/compare/marsh-vs-mylo) - [Marsh vs Newfront](https://spot.insure/compare/marsh-vs-newfront) - [Marsh vs Next Insurance](https://spot.insure/compare/marsh-vs-next-insurance) - [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance) - [Marsh vs Relm](https://spot.insure/compare/marsh-vs-relm) - [Marsh vs Resilience](https://spot.insure/compare/marsh-vs-resilience) - [Marsh vs RiskCube](https://spot.insure/compare/marsh-vs-riskcube) - [Marsh vs Risklytics](https://spot.insure/compare/marsh-vs-risklytics) - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance) - [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance) - [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) - [Marsh vs Travelers Insurance](https://spot.insure/compare/marsh-vs-travelers) - [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi) - [Marsh vs Vouch](https://spot.insure/compare/marsh-vs-vouch) - [Marsh vs WithCoverage](https://spot.insure/compare/marsh-vs-withcoverage) ## Sources ### [At-Bay Official Website](https://www.at-bay.com/) 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. [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; footnotes 1–7; state disclaimer. Accessed 2026-09-16. 3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16. 4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16. 5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. 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. 7. [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. 8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16. 9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16. 10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16. 11. [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: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16. 12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16. 13. [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. ### [Marsh Official Website](https://www.marsh.com/en/home.html) 14. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 15. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16. 16. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; listed practice links including data center insurance, fintech, Stratus; Talk to us contact CTA. FAQ coverage questions treated as educational, not catalogue proof.. Accessed 2026-09-16. 17. [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 (property, casualty, technology E&O); surety for PPA and interconnection; FAQ typical covers: property damage, equipment breakdown, business interruption, cyber, general liability. Accessed 2026-09-16. 18. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16. 19. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. No line-by-line US product schedule.. Accessed 2026-09-16. 20. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ describing possible policy parts, not a guarantee. Accessed 2026-09-16. 21. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16. 22. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16. 23. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16. 24. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16. 25. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16. 26. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16. 27. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL (educational context for the practice page). Accessed 2026-09-16. 28. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; JSON-LD legalName Marsh LLC; link to business-form.html. Inspected 16 September 2026; no form submitted.. Accessed 2026-09-16. 29. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path noted for certificates, policies and billing. Embedded form iframe not fully field-mapped; no submission.. Accessed 2026-09-16. 30. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16. 31. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; Copyright © 2024, Marsh LLC. Accessed 2026-09-16. 32. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153; Amazon program administrator role and Victor wholesale/MGA language are program-specific and not treated as the default Marsh retail role. Accessed 2026-09-16. 33. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 34. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16. 35. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16. 36. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16. 37. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16. 38. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policies include D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, and kidnap and ransom; coverage subsections for D&O, EPL and cyber. Accessed 2026-09-16. 39. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property; flood, windstorm, wildfire, earthquake options; builders’ risk; claims advocacy; captives and parametric options. Accessed 2026-09-16. 40. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program design; Claims Management; Workers’ Compensation subsection describing WC as coverage for on-the-job injury. Accessed 2026-09-16. 41. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16. 42. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Employee benefits consulting positioning; implementation of employee benefits solutions. Accessed 2026-09-16. 43. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for 2026 MMA Compensation Guide download and premium-finance disclosure; PDF body not fully extracted (download redirected). Compensation types for MMA therefore rest primarily on the Marsh US guide’s MMA statements.. Accessed 2026-09-16. 44. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Historical enforcement caption, not a 2026 license-status verification.. Accessed 2026-09-16. 45. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public search interface retrieved 16 September 2026; no authenticated license-detail record for 437153 was returned in this research (no captcha completion). No current status conclusion drawn.. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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.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)