At-Bay vs Newfront Cyber Insurance

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. ^4,5Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.

Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ¹¹Company-reported. Cyber Risk offering page.

The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. ^3,5Company-reported. Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.

The reviewed Cyber Risk page does not name the insurer or insurers that would issue a cyber policy placed through Newfront. ¹¹Not publicly disclosed. Cyber Risk page as read on 2026-09-23; carrier depends on the specific placement.

Not described in the reviewed sources.

The Cyber Risk page does not state a company-size or industry eligibility threshold; it speaks generally about clients facing "evolving cyber risk and increased underwriting standards." ¹¹Not publicly disclosed. Our Approach section; general framing, not a stated eligibility rule.

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. ³Company-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. ³Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.

Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ¹¹Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.

At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. ³Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.

Newfront's cyber page does not publish limits or retentions. It says its technology team provides proprietary modeling data to inform decisions on limits aligned with a client's risk exposure and tolerance. ¹¹Company-reported. Subject Matter Expertise section; describes an internal modeling service, not published limit figures.

Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. ³Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.

Newfront says dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. ¹¹Company-reported. Subject Matter Expertise section of the cyber page.

You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ³Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

You start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. ¹¹Company-reported. Cyber Risk page call-to-action and Leadership section; no online quoting or binding described.

At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. ⁶Company-reported. Claims-handling page process description; does not establish claim outcomes or payment speed.

Newfront says it provides "hands-on" claims consultation for cyber breaches, including pre- and post-loss advocacy and resolution consultation to prepare clients on breach-response protocol before a claim. ¹¹Company-reported. Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic.