---
title: "At-Bay vs RiskCube: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-riskcube/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-riskcube"
provider-a: "at-bay"
provider-b: "riskcube"
coverage-line: "cyber"
---

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

## Agent Guide

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

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and RiskCube.
- 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 RiskCube](https://spot.insure/compare/at-bay-vs-riskcube) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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, cloud, payments and defense startups and says it typically delivers cyber quotes within about 24 hours; At-Bay includes Stance and publishes appetite up to $5 billion in revenue rather than that AI-and-defense roster.

## At-Bay vs RiskCube Cyber Insurance Summary

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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [4](https://www.at-bay.com/claims/ "Claims Handling")

## What Should You Confirm in At-Bay and RiskCube Cyber Insurance Quotes?

- Ask RiskCube whether affirmative AI coverage is on the form and which carrier writes it. [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")
- Ask At-Bay which appetite band and Stance tier apply. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- If you need a vendor certificate in a day, confirm RiskCube's 24-hour timing still applies. [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")

## At-Bay vs RiskCube Cyber Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections..)<br><br>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. [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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](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, 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. [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & 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: 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [5](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23..) |

## About At-Bay and RiskCube and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs RiskCube Cyber Insurance

- [At-Bay vs RiskCube](https://spot.insure/compare/at-bay-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [RiskCube Cyber Insurance](https://spot.insure/insurance-providers/riskcube/cyber)

## Sources for At-Bay vs RiskCube Cyber Insurance

### Sources About At-Bay

1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber 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 RiskCube

5. [Cyber Insurance for Startups](https://riskcubeai.com/insurance/cyber). RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. Accessed 2026-09-23.
6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". 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-riskcube/cyber.md)
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