--- title: "At-Bay vs Newfront: Cyber Insurance" description: "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." canonical: "https://spot.insure/compare/at-bay-vs-newfront/cyber" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "at-bay-vs-newfront" provider-a: "at-bay" provider-b: "newfront" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/at-bay-vs-newfront/cyber) ## Agent Guide **What this page is:** Focused comparison of At-Bay and Newfront 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 Newfront. 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 Newfront for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, At-Bay or Newfront? - What does At-Bay or Newfront publish about Cyber Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Cyber Insurance. Providers: At-Bay and Newfront. - 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 Newfront](https://spot.insure/compare/at-bay-vs-newfront) — 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 - [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile # 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 underwrites cyber with a security platform in every policy and published limits up to $10 million, while Newfront is a broker that models your limit, negotiates bespoke tech E&O and cyber wording, and advocates on claims. ## At-Bay vs Newfront Cyber Insurance Summary 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [5](https://www.newfront.com/cyber-insurance "Cyber Risk") ## 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") 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](https://www.newfront.com/cyber-insurance "Cyber Risk") 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") Newfront publishes no limits; it says its technology team runs proprietary modeling to recommend a limit that matches your exposure and risk tolerance. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") ### 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](https://www.at-bay.com/claims/ "Claims Handling") 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](https://www.newfront.com/cyber-insurance "Cyber Risk") ## 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](https://www.newfront.com/cyber-insurance "Cyber Risk") - Ask At-Bay which insurer issues your policy and which InsurSec tier the quote assumes. [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") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") - Ask Newfront who you call first during an active incident: its team or the insurer's breach line. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") ## At-Bay vs Newfront Cyber Insurance Compared | 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: 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. [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..)

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..) | 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: 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](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..) | 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: 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. [4](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Company-reported; scope: 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic..) | ## About At-Bay and Newfront 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) - [Newfront company profile](https://spot.insure/insurance-providers/newfront) · [Newfront customer reviews](https://spot.insure/insurance-providers/newfront/reviews) - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber) ## Related Pages for At-Bay vs Newfront Cyber Insurance - [At-Bay vs Newfront](https://spot.insure/compare/at-bay-vs-newfront): 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) - [Newfront Cyber Insurance](https://spot.insure/insurance-providers/newfront/cyber) ## Sources for At-Bay vs Newfront 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 Newfront 5. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Our Approach: Superior Risk Management, Coverage Negotiation, Claims Consultation; Key Coverages to Protect Your Business; Subject Matter Expertise; Leadership: Jennifer Wilson. 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). 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