At-Bay vs Resilience: How Do They Compare for Tech E&O Insurance?

Both reach $10 million in limits, primary or excess. Resilience targets technology companies from $25 million to $10 billion in revenue, while At-Bay writes up to $5 billion and includes its Stance security platform.

At-Bay writes tech companies up to $5 billion in revenue with no published minimum and quotes those under $100 million automatically; Resilience only writes companies with $25 million to $10 billion in revenue and builds endorsements into one policy form. Both offer Tech E&O limits up to $10 million. ^1,^5,⁶

What Are the Key Differences Between At-Bay and Resilience Tech E&O Insurance?

Revenue Ceiling vs Revenue Floor

At-Bay writes primary and excess Tech E&O for companies with revenue up to $5 billion and publishes no minimum; its Broker Platform quotes automatically up to $100 million in revenue and $3 million in limits, and larger accounts go to an underwriter. Resilience writes US technology E&O only for companies with $25 million to $10 billion in revenue, across services, hardware, data centers, telecom, software and web services. Choose At-Bay if your revenue is under $25 million or you want a fast automated quote; choose Resilience if your revenue is above $5 billion; between $25 million and $5 billion, get both. ¹ ⁵

Security Tools vs Integrated Policy Form

At-Bay includes its Stance security services with Tech E&O. Resilience builds endorsements into the policy form, which it calls Coverage Certainty, so fewer add-ons need negotiating. Both publish limits up to $10 million; neither publishes retentions. ¹ ⁵

Named Insurers vs One Unnamed per Quote

Resilience says its Tech E&O is written by Homeland Insurance Company of New York or of Delaware and distributed by its own agency. At-Bay’s product page names no insurer, though a 2023 announcement said new surplus-lines business would go to At-Bay Specialty Insurance Company. ⁶ ³

What Should You Confirm in At-Bay and Resilience Tech E&O Insurance Quotes?

Check your revenue against Resilience’s $25 million floor and At-Bay’s $5 billion ceiling. ⁵ ¹
Ask each which insurer issues your policy. ⁶ ³
Ask whether you are quoted primary or excess, and get retentions in writing. ⁵ ¹
Ask each how a professional-services claim is handled compared with a cyber incident. ⁷ ⁴

At-Bay vs Resilience Tech E&O Insurance Compared

At-Bay vs Resilience: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	Resilience Technology E&O
Limits and Retentions	At-Bay says it writes primary and excess Tech E&O 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.	Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. ⁵Company-reported. "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote.
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.	Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. ⁵Company-reported. "Coverage Certainty" benefit on the product page; the actual policy as issued controls. Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. ⁵Company-reported. "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23.
Role in This Line	At-Bay places Tech E&O 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) Tech E&O 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 covering Cyber and Tech E&O together, not confirmed for every current quote.	Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. ⁵Company-reported. Technology E&O product page introduction, accessed 2026-09-23.
Issuing Insurer	The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. ^1,³Company-reported. Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.	Resilience's US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The product page separately says capacity comes through "approved underwriting companies" rated by AM Best, without naming an insurer beyond the two Homeland entities. ^6,⁵Company-reported. US paragraph of Resilience's disclaimer page and the "Superior Capacity" benefit on the product page, both accessed 2026-09-23; product- and state-specific issuer mapping is not published.