At-Bay vs Newfront: How Do They Compare for Cyber Insurance?

Newfront is a broker using modeling data to size limits; At-Bay offers limits up to $10 million, with tiers like Advanced adding a reduced ransomware retention.

At-Bay sells you its own cyber policy with built-in security monitoring and a direct breach hotline; Newfront works for you as a broker, modeling the limit you need and negotiating custom policy language with insurers. ^1,⁵

What Are the Key Differences Between At-Bay and Newfront Cyber Insurance?

Fixed Product vs Negotiated Wording

At-Bay offers one cyber product with set InsurSec tiers, written for businesses up to $5 billion in revenue and $10 million in limits. ¹ Newfront doesn't underwrite; its Tech E&O and Cyber team negotiates bespoke policy language and places it with insurers, and it can pair cyber with technology errors and omissions cover. ⁵ Choose At-Bay if a standard cyber form with security tools fits you; choose Newfront if you're a tech company that needs E&O and cyber wording negotiated for your contracts.

How Your Limit Gets Set

Through its Broker Platform, At-Bay auto-quotes accounts up to $100 million in revenue and $3 million in limits, and larger risks go to its underwriters by email. ¹ Newfront publishes no limits; it says its technology team runs proprietary modeling to recommend a limit that matches your exposure and risk tolerance. ⁵

Who Helps After a Breach

At-Bay runs an in-house claims team and a breach-coach line for live ransomware or outage incidents. ⁴ Newfront says it gives hands-on claims consultation and advocacy before and after a loss, but the insurer it places you with still pays the claim. ⁵

What Should You Confirm in At-Bay and Newfront Cyber Insurance Quotes?

Ask Newfront which insurer will issue your policy and what limit its model recommends for you. ⁵
Ask At-Bay which insurer issues your policy and which InsurSec tier the quote assumes. ³ ¹
Ask Newfront who you call first during an active incident: its team or the insurer's breach line. ⁵

At-Bay vs Newfront Cyber Insurance Compared

At-Bay vs Newfront: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	Newfront Cyber Risk Insurance
Limits and Retentions	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. ¹Company-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. ⁵Company-reported. Subject Matter Expertise section; describes an internal modeling service, not published limit figures.
How to Apply	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. ¹Company-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. ⁵Company-reported. Cyber Risk page call-to-action and Leadership section; no online quoting or binding described.
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.	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. ⁵Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.
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.	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. ⁵Company-reported. Cyber Risk offering page.
Risk Services	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. ¹Company-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. ⁵Company-reported. Subject Matter Expertise section of the cyber page.
Claims Support	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. ⁴Company-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. ⁵Company-reported. Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic.