At-Bay vs 
RiskCube: How Do They Compare for Cyber Insurance?
RiskCube is a brokerage for AI and data companies that gets quotes within about 24 hours; At-Bay accepts emailed submissions and writes up to $5 billion in revenue.
RiskCube targets AI and data companies, cloud platforms, payment processors and defense startups, with a roughly 10-minute digital intake and quotes typically within about 24 hours. At-Bay includes Stance monitoring 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 RiskCube Cyber Insurance?
AI and Defense Intake Versus Feature-Based Appetite Ceilings
RiskCube compares cyber policies across carriers and targets AI and data companies, cloud or DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies, describing a roughly 10-minute digital intake with quotes typically within about 24 hours. At-Bay describes coverage by features and limit ceilings rather than that roster, with Stance included and appetite up to $5 billion in revenue and $10 million in limits. Choose RiskCube if you are an AI, payments or defense startup that wants that intake speed; choose At-Bay if you want Stance and those published ceilings. 5 1
Affirmative AI Coverage Versus Included Social Engineering
RiskCube says it places programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and can layer AI wrap coverage when primary cyber or Tech E&O is silent. At-Bay lists social engineering and invoice manipulation for all classes, cryptojacking and bricking at full limits, and a breach-coach line, without describing those AI-specific grants. RiskCube does not publish limits; At-Bay does. 5 1 4
What Should You Confirm in At-Bay and RiskCube Cyber Insurance Quotes?
At-Bay vs RiskCube Cyber Insurance Compared
At-Bay vs RiskCube: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | RiskCube 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. | RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. 5Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ. |
| 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. | RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. 5Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections. RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. 5Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" 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. | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 5Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options. |
| Issuing Insurer | The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. 1,3Company-reported. Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. 6,5Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23. |
