---
title: "At-Bay vs Relm Insurance"
description: "Evaluate AI software liability, current underwriting appetite and separately priced security services."
canonical: "https://spot.insure/compare/at-bay-vs-relm"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "Relm Insurance"]
---

[Human-readable page](https://spot.insure/compare/at-bay-vs-relm)

# At-Bay vs Relm Insurance

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

## Research Scope and Use

Use this comparison to evaluate At-Bay and Relm Insurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay offers cyber and technology E&O through brokers, with Stance security services and optional MDR. Relm markets AI-specific developer, liability-wrap and first-party response products. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [19](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")



## 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [20](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### Relm Insurance

- Cyber and technology E&O designed for AI developers [20](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [19](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Company-reported; scope: AI-specific cyber/technology E&O marketing; no reviewed California policy form.; verified: 2026-09-16.)
- First-party cover for third-party AI failures [22](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: First-party means the insured business’s own loss; no separate unrestricted product-recall offering inferred.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | Relm Insurance |
| --- | --- | --- |
| Commercial property | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Crime | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Digital assets | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Directors and officers | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Employment practices liability | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Fiduciary liability | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| General liability | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Generative AI liability | Not listed | Listed [20](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [19](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") |
| Kidnap and ransom | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Media liability | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Product liability | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Surety bonds | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Tools, equipment and inland marine | Not listed | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [17](https://relminsurance.com/lines-of-business/ "Lines of Business") |

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

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [20](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers")

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](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance")

### 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](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [14](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance")

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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.at-bay.com/licenses/ "Licenses") [15](https://relminsurance.com/legal-information/ "Legal Information")

### 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](https://www.at-bay.com/stance/ "At-Bay Stance") [10](https://www.at-bay.com/terms-of-service/ "Terms of Service") [26](https://relminsurance.com/terms-and-conditions/ "Terms & Conditions")

## What to Confirm in Quotes

- Obtain written treatment of the vendor's indemnities and service-credit obligations, including any limits on covered damages. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [20](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers")
- Request current AI-class appetite and the named California insurer. At-Bay's historical own-paper announcement does not establish every current issuer. [11](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") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [15](https://relminsurance.com/legal-information/ "Legal Information")
- Separate required embedded security charges, optional MDR, premiums and broker fees in the total proposal. [7](https://www.at-bay.com/stance/ "At-Bay Stance") [10](https://www.at-bay.com/terms-of-service/ "Terms of Service") [26](https://relminsurance.com/terms-and-conditions/ "Terms & Conditions")



## Service Comparison

At-Bay vs Relm Insurance: documented services and availability.

| Criteria | At-Bay | Relm 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](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | 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](https://relminsurance.com/contact/ "Contact") [16](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Public inquiry and broker-led access; no form submitted and no quotation received.; verified: 2026-09-16.) |
| 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](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: California producer route; no regulator record retrieved.; verified: 2026-09-16.)<br><br>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](https://www.at-bay.com/licenses/ "Licenses") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Not found in reviewed sources; scope: Reviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.; verified: 2026-09-16.) | 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](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: California row only; absence of a listed surplus-lines authority is not evidence that no lawful distribution route exists.; verified: 2026-09-16.)<br><br>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](https://relminsurance.com/legal-information/ "Legal Information") [16](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [19](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Not found in reviewed sources; scope: Scoped unresolved California AI placement route, not a finding of unavailability. US marketing and producer licensing alone do not establish a particular policy route.; verified: 2026-09-16.) |
| 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](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)<br><br>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](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)<br><br>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](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) | 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](https://relminsurance.com/contact/ "Contact") [26](https://relminsurance.com/terms-and-conditions/ "Terms & Conditions") (Evidence: Not publicly disclosed; scope: Public contact and website terms only; lack of described functions does not establish their absence.; verified: 2026-09-16.) |
| 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](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Does not describe included security as free or quote an unverified fee amount.; verified: 2026-09-16.)<br><br>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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [10](https://www.at-bay.com/terms-of-service/ "Terms of Service") (Evidence: Not publicly disclosed; scope: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified: 2026-09-16.) | 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](https://relminsurance.com/legal-information/ "Legal Information") [26](https://relminsurance.com/terms-and-conditions/ "Terms & Conditions") [24](https://relminsurance.com/contact/ "Contact") (Evidence: Not publicly disclosed; scope: No quote, producer agreement or remuneration schedule reviewed; no assertion of zero fees or of a particular compensation model.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is Relm Insurance?](https://spot.insure/insurance-providers/relm)

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## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/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](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/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](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-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](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). 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](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [Relm Insurance Official Website](https://relminsurance.com/)

14. [Artificial Intelligence Insurance](https://relminsurance.com/industry/artificial-intelligence-insurance/). Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
15. [Legal Information](https://relminsurance.com/legal-information/). Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
16. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
17. [Lines of Business](https://relminsurance.com/lines-of-business/). Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
18. [Tailored Industry Insurance Products](https://relminsurance.com/insurance-products/). Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
19. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
20. [Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/). Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
21. [Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/). Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
22. [Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/). Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
23. [Relm Announces Fronting Partnership with Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/). Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
24. [Contact](https://relminsurance.com/contact/). Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
25. [Claims](https://relminsurance.com/claims/). Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
26. [Terms & Conditions](https://relminsurance.com/terms-and-conditions/). Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
27. [Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/). Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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