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At-Bay vs Relm Insurance

Evaluate AI software liability, current underwriting appetite and separately priced security services.

Introduction

An AI vendor promising service credits or contractual indemnities needs more than a general confirmation that technology businesses are eligible. At-Bay's Tech E&O page discusses contractual indemnity and service credits; Relm's NOVAAI describes AI developer liability. Compare how the proposed forms treat the actual customer promise, then assess the accompanying security services as a separate purchase decision. 2 20

Where Each Provider Shines

Where At-Bay Shines

  • Tech E&O combines professional liability and cyber protection. 2
  • Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. 7

Where Relm Insurance Shines

  • Cyber and technology E&O designed for AI developers 20,19
  • First-party cover for third-party AI failures 22

Coverage Comparison

Coverage TypeAt-BayRelm Insurance
Commercial propertyNot listedListed 17
CrimeNot listedListed 17
Cyber liabilityListed 3Listed 17
Digital assetsNot listedListed 17
Directors and officersNot listedListed 17
Employment practices liabilityNot listedListed 17
Fiduciary liabilityNot listedListed 17
General liabilityNot listedListed 17
Generative AI liabilityNot listedListed 20,19
Kidnap and ransomNot listedListed 17
Media liabilityNot listedListed 17
Product liabilityNot listedListed 17
Professional liability / E&OListed 4Listed 17
Surety bondsNot listedListed 17
Technology errors and omissionsListed 2Listed 17
Tools, equipment and inland marineNot listedListed 17
Umbrella and excess liabilityListed 2,3Listed 17

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between at-Bay and Relm Insurance

Contract Remedies Need Their Own Wording Review

At-Bay describes service credits issued to settle a claim as payable damages, subject to terms. That does not establish coverage for every performance guarantee or routine credit. Relm describes generated-content, bias and other AI exposures without resolving the treatment of this vendor's contractual remedy. Submit the same indemnity and credit provisions to both underwriters. 2 20

An AI failure can also cost the vendor money without creating a customer claim. Relm's RESCAAI targets first-party losses from third-party AI dependence. At-Bay describes contingent interruption and system failure in its cyber product, but matching those labels to the same event still requires the actual trigger and exclusions. 22 3

Do Not Let an Old Appetite Guide Decide the AI Question

An older At-Bay guide lists autonomous AI among restricted classes and lower ceilings than the current product page. The reviewed public documentation explicitly treats it as historical, not a present eligibility decision. Conversely, Relm's AI marketing does not guarantee acceptance of every developer. Ask underwriting to classify the actual model, autonomy and use case rather than treating either historical restrictions or current marketing as an offer. 12 2 14

At-Bay's published broker-platform ceilings are also lower than its broader advertised appetite. A case outside a platform limit may require underwriting discussion; it is not necessarily outside the whole product. Neither company's reviewed sources establish this startup's current California AI placement. 2 5 15

Price the Security Service Alongside the Insurance

At-Bay ties Stance access to an Embedded Security Fee and Endorsement; optional MDR is a separate purchase from its security affiliate. Compare premium, embedded fee, MDR and broker charges separately. Relm's reviewed sources do not disclose buyer-specific placement costs, so its marketing supplies no basis for a lower total-cost claim. 7 10 26

What to Confirm in Quotes

  • Obtain written treatment of the vendor's indemnities and service-credit obligations, including any limits on covered damages. 2 20
  • Request current AI-class appetite and the named California insurer. At-Bay's historical own-paper announcement does not establish every current issuer. 11 2 15
  • Separate required embedded security charges, optional MDR, premiums and broker fees in the total proposal. 7 10 26

Service Comparison

At-Bay vs Relm Insurance: documented services and availability

CriteriaAt-BayRelm Insurance
Application process

At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. 6,4

Relm provides an inquiry form requesting contact details, company name and location. Its US launch describes access through distribution partners, and the website states that Relm Insurance Ltd. deals through licensed brokers. The reviewed pages do not establish instant quoting or online binding. 24,16

Availability

At-Bay lists California P&C and surplus-lines license number 0L73812 for At-Bay Insurance Services LLC. This is a company disclosure, not an independently checked California Department of Insurance record or confirmation that a particular product is available. 5

The reviewed product and licensing pages do not establish current California eligibility for a specific startup, product and issuing insurer. At-Bay warns that products may not be available in every state, and MPL has state restrictions; obtain California placement confirmation through the broker. 5,2,3,4

Relm’s legal page lists California insurance producer license 6013054 for Relm US Insurance Solutions Inc. This is company-reported and was not independently verified in a regulator record; that row does not list a California surplus-lines license. 15

The reviewed AI product, US MGA and legal pages do not establish the issuing insurer, admitted or surplus-lines status, or placing broker for a California NOVAAI, PONTAAI or RESCAAI policy. California product availability remains to be confirmed for the applicant. 15,16,19

Servicing and renewals

At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. 7

At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. 7

At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. 6

The reviewed contact and terms pages provide general-inquiry and complaint channels but do not explain a customer self-service portal, certificate turnaround, endorsement process or renewal timetable. Ask which tasks your broker, the MGA and the issuing insurer will handle. 24,26

Fees and compensation

Stance access uses an Embedded Security Fee and Endorsement, while MDR is separately purchased. Security costs should be distinguished from the insurance premium and any broker charges. 7

Commission rates, broker compensation arrangements and a complete placement-fee schedule were not disclosed in the reviewed product, platform and US terms pages. This does not establish that commissions or fees are absent; request an itemized quote and compensation disclosure. 2,6,10

The reviewed legal, terms and inquiry pages do not disclose buyer-specific broker fees, commission rates, minimum premiums or total California placement costs. Obtain the premium, fees and applicable taxes separately in a written quote. 15,26,24

Sources

At-Bay Official Website

  1. Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
  2. Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
  3. Cyber Insurance. At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
  4. MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
  5. Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
  6. Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
  7. At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
  8. Claims Handling. At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
  9. Response & Recovery. At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
  10. Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
  11. At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
  12. At-Bay Surplus Tech E&O Appetite Guide. At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
  13. At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

Relm Insurance Official Website

  1. Artificial Intelligence Insurance. Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
  2. Legal Information. Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
  3. Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
  4. Lines of Business. Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
  5. Tailored Industry Insurance Products. Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
  6. Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
  7. Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers. Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
  8. Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs. Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
  9. Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations. Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
  10. Relm Announces Fronting Partnership with Trisura Specialty Insurance Company. Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
  11. Contact. Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
  12. Claims. Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
  13. Terms & Conditions. Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
  14. Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives. Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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