At-Bay vs 
Relm Insurance: How Do They Compare for Cyber Insurance?
At-Bay lists coverage such as system failure and invoice manipulation and offers security tiers; Relm Insurance sells cyber through brokers next to its tech errors and omissions line.
Relm markets cyber liability as a distinct line next to Technology E&O, sold through insurance brokers, covering network-security breaches, privacy breaches and extortion. At-Bay includes Stance on every policy and writes primary and excess cyber for revenue up to $5 billion and limits up to $10 million. 5,1
What Are the Key Differences Between At-Bay and Relm Insurance Cyber Insurance?
Cyber Next to Tech E&O Versus Stance on a Standalone Product
Relm markets cyber on the same page as Technology Errors and Omissions, noting the two are related but not the same, and sells through insurance brokers rather than a direct online quote. At-Bay sells a standalone feature-based cyber product with Stance included and published appetite up to $5 billion in revenue and $10 million in limits. Choose Relm if you want cyber placed next to Tech E&O through a broker; choose At-Bay if you want Stance on a named cyber product with those published ceilings. 5 1
Extortion in the Base Description Versus Included Social Engineering
Relm says cyber coverage addresses network-security breaches, privacy breaches and extortion threats, including notification, credit monitoring, PR, forensics and legal defense, distinguishing first-party losses from third-party claims. At-Bay lists social engineering and invoice manipulation as included for all classes, plus contingent business interruption, cryptojacking and bricking at full limits, and a breach-coach line. Relm does not name an issuer or publish limits. 5 1 4
What Should You Confirm in At-Bay and Relm Insurance Cyber Insurance Quotes?
At-Bay vs Relm Insurance Cyber Insurance Compared
At-Bay vs Relm Insurance: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Relm Cyber Insurance |
|---|---|---|
| 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. | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 5Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model. |
| 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. | Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. 5Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 5Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section. |
| 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. | Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. 5Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products. |
