---
title: "At-Bay vs Resilience: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-resilience/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-resilience"
provider-a: "at-bay"
provider-b: "resilience"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-resilience/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Resilience for Tech E&O 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 Tech E&O Insurance questions about At-Bay versus Resilience. 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 Resilience for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Resilience?
- What does At-Bay or Resilience publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Resilience.
- 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 Resilience](https://spot.insure/compare/at-bay-vs-resilience) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile

# 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 E&O for companies up to $5 billion revenue with automated quotes under $100 million, while Resilience only takes tech companies with $25 million to $10 billion in revenue; both offer limits up to $10 million.

## At-Bay vs Resilience Tech E&O Insurance Summary

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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [6](https://cyberresilience.com/disclaimer/ "Disclaimer")

## 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [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")

## 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](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Ask each which insurer issues your policy. [6](https://cyberresilience.com/disclaimer/ "Disclaimer") [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")
- Ask whether you are quoted primary or excess, and get retentions in writing. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Ask each how a professional-services claim is handled compared with a cyber incident. [7](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [4](https://www.at-bay.com/claims/ "Claims Handling")

## At-Bay vs Resilience Tech E&O Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)<br><br>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. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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](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 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. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [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: 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: 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..) |

## About At-Bay and Resilience and Tech E&O Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Resilience company profile](https://spot.insure/insurance-providers/resilience) · [Resilience customer reviews](https://spot.insure/insurance-providers/resilience/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for At-Bay vs Resilience Tech E&O Insurance

- [At-Bay vs Resilience](https://spot.insure/compare/at-bay-vs-resilience): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Resilience Tech E&O Insurance](https://spot.insure/insurance-providers/resilience/technology-errors-omissions)

## Sources for At-Bay vs Resilience Tech E&O Insurance

### Sources About At-Bay

1. [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; 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 Resilience

5. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23.
6. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
7. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-resilience/technology-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)