At-Bay vs 
Mylo: How Do They Compare for Cyber Insurance?
Mylo compares quotes from several carriers and notes cyber can join a business owner's policy; At-Bay places cyber through its own producer, with security tiers and a named breach-coach phone line.
At-Bay gives you a standalone cyber policy that includes security monitoring and publishes its appetite ceilings; Mylo shops your cyber cover across carriers and may fold it into a small-business package, but publishes no limits or insurer names. 1,5
What Are the Key Differences Between At-Bay and Mylo Cyber Insurance?
Specialist Cyber Policy vs Quotes Shopped Across Carriers
At-Bay writes primary and excess cyber for businesses with up to $5 billion in revenue and limits up to $10 million, and you reach it by emailing its underwriters or through a broker. 1 Mylo is a broker: it compares quotes from several carriers for you instead of underwriting anything itself, and it aims at small businesses that take card payments or store customer data. 5 Choose At-Bay if you need a cyber-only policy with a known limit ceiling; choose Mylo if you're a small business that wants a broker to compare options.
Security Tools Included vs a Possible BOP Add-On
Every At-Bay policy comes with its Stance platform for vulnerability monitoring, vCISO advice and staff training, with managed detection and response sold on top at $16 or $25 per user per month. 1 Mylo describes no security service; its angle is packaging, as it says cyber can often be bolted onto a Business Owner's Policy depending on the carrier:
Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. 5Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section.
Published Terms vs Blank Figures
At-Bay spells out tier perks such as a $0 financial-fraud retention and a $1 million fraud sub-limit on its Complete tier. 1 Mylo's cyber page lists the costs covered, from breach notification to regulator fines, but publishes no limits, retentions or premium ranges, so you only learn the numbers from a quote. 5
What Should You Confirm in At-Bay and Mylo Cyber Insurance Quotes?
- Ask Mylo whether your quote is a standalone cyber policy or a BOP endorsement, and which insurer issues it. 5
- Get the limit and retention from Mylo in writing; its page publishes none. 5
- Ask At-Bay which insurer issues your policy; its product page doesn't say. 1 3
- Confirm which InsurSec tier your At-Bay quote assumes and whether it requires a paid MDR subscription. 1
At-Bay vs Mylo Cyber Insurance Compared
At-Bay vs Mylo: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Mylo Cyber Insurance |
|---|---|---|
| Coverage Features | At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. 1Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions. | Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. 5Company-reported. Cyber insurance product page; the issued policy and its exclusions control. Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. 5Company-reported. Cyber insurance product page. Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. 5Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section. |
| Role in This Line | At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote. | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 5Company-reported. Cyber insurance product page. |
