---
title: "At-Bay vs Mylo: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-mylo/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-mylo"
provider-a: "at-bay"
provider-b: "mylo"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-mylo/cyber)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Mylo for Cyber 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 Cyber Insurance questions about At-Bay versus Mylo. 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 Mylo for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or Mylo?
- What does At-Bay or Mylo publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and Mylo.
- 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 Mylo](https://spot.insure/compare/at-bay-vs-mylo) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile

# 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 sells a dedicated cyber policy with a bundled security platform and published limits up to $10 million, while Mylo is a broker that compares carrier quotes and says cyber can often be added to a Business Owner's Policy.

## At-Bay vs Mylo Cyber Insurance Summary

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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [5](https://choosemylo.com/business/product-cyber "Cyber Insurance")

## 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") 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](https://choosemylo.com/business/product-cyber "Cyber Insurance") 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") 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. [5](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") 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](https://choosemylo.com/business/product-cyber "Cyber Insurance")

## 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](https://choosemylo.com/business/product-cyber "Cyber Insurance")
- Get the limit and retention from Mylo in writing; its page publishes none. [5](https://choosemylo.com/business/product-cyber "Cyber Insurance")
- Ask At-Bay which insurer issues your policy; its product page doesn't say. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [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")
- Confirm which InsurSec tier your At-Bay quote assumes and whether it requires a paid MDR subscription. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## At-Bay vs Mylo Cyber Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page; the issued policy and its exclusions control..)<br><br>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. [5](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page..)<br><br>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. [5](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: 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](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, not confirmed for every current cyber quote..) | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [5](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page..) |

## About At-Bay and Mylo and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Mylo company profile](https://spot.insure/insurance-providers/mylo) · [Mylo customer reviews](https://spot.insure/insurance-providers/mylo/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs Mylo Cyber Insurance

- [At-Bay vs Mylo](https://spot.insure/compare/at-bay-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [Mylo Cyber Insurance](https://spot.insure/insurance-providers/mylo/cyber)

## Sources for At-Bay vs Mylo Cyber Insurance

### Sources About At-Bay

1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber 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 Mylo

5. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Back up your great reputation with cyber insurance; Do you take credit cards or store customer info? (hacking, data errors/misuse, malware/ransomware); What does cyber insurance do for business owners? (non-legal and legal/regulatory costs); Add cyber to your Business Owner's Policy (BOP); Cyber insurance FAQs. 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-mylo/cyber.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)