---
title: "At-Bay vs Mylo Professional Liability (E&O) Insurance"
description: "Mylo explains claims-made versus occurrence forms for professional liability; At-Bay's MPL page states its coverage is claims-made-and-reported."
canonical: "https://spot.insure/compare/at-bay-vs-mylo/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# At-Bay vs Mylo Professional Liability (E&O) Insurance

Mylo explains claims-made versus occurrence forms for professional liability; At-Bay's MPL page states its coverage is claims-made-and-reported.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Mylo for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Mylo's professional liability FAQ explains the difference between claims-made and occurrence forms and how tail coverage extends reporting after a policy ends. At-Bay's MPL page states its own coverage is written claims-made-and-reported, without explaining the occurrence alternative. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [7](https://choosemylo.com/business/business-insurance "Small Business Insurance") [8](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Explaining Policy Forms Versus Stating One

Mylo's professional liability FAQ explains that coverage comes in both claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") At-Bay's MPL page states its coverage is written on a claims-made-and-reported basis as one feature among several, without contrasting it against an occurrence alternative. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

### How Each Company Shops the Business

Mylo compares professional liability quotes from multiple business insurance companies to find a combination of coverage and price, rather than underwriting the policy itself. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") At-Bay names MPL as one of its own products, distributed through its disclosed producer, At-Bay Insurance Services LLC, rather than shopping the business across carriers. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/licenses/ "Licenses")

### What Neither Company's Pages Name

Mylo's professional liability page and its carrier-contact directory do not name the insurer that would issue a policy, and the directory groups carriers under generic categories rather than by coverage line. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") At-Bay's current MPL page likewise does not name an issuing insurer. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Mylo whether the quotes it compares for you are claims-made, occurrence, or a mix, and what tail coverage would cost. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")
- Ask At-Bay directly which insurer would issue your MPL policy. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Ask Mylo which specific carrier it selected for your quote and why. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")
- Ask At-Bay for its published $5 million limit ceiling and applicable state restrictions. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Ask Mylo for its claims-reporting process for professional liability specifically, since its carrier directory does not break this out by coverage line. [10](https://choosemylo.com/contact-your-carrier "Contact Your Carrier")

## Offering Details

| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Mylo Professional Liability Insurance |
| --- | --- | --- |
| Role in This Line | At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk..) | Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability product page..) |
| Issuing Insurer | The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [5](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: Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper..) | The professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [10](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Not publicly disclosed; scope: Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line..) |
| Who It’s For | At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record..) | Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page examples; a particular business's eligibility depends on underwriting..) |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions..) | Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy..)<br><br>Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page FAQ; which form and tail terms are offered depends on the placed carrier..) |
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant..) | Not described in the reviewed sources. |
| How to Apply | At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed..) | Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. [9](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page "How will Mylo find me the right policy?" section..) |
| Claims Support | Not described in the reviewed sources. | Mylo's carrier-contact page lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. [10](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Not found in reviewed sources; scope: Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line..) |

## Full Comparison

- [At-Bay vs Mylo](https://spot.insure/compare/at-bay-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [At-Bay vs Mylo Cyber Insurance](https://spot.insure/compare/at-bay-vs-mylo/cyber)
- [Alliance Risk vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/professional-errors-omissions)
- [Alliance Risk vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/professional-errors-omissions)
- [At-Bay vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-beazley/professional-errors-omissions)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions)
- [At-Bay vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-coalition/professional-errors-omissions)

## Sources

### At-Bay

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. [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.
3. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
5. [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.
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.

### Mylo

7. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
8. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
9. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy?. Accessed 2026-09-23.
10. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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