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

RiskCube is an independent brokerage that compares carriers for AI/ML, fintech, govtech, defense, space and Web3 firms and says quotes come back in about 24 hours. At-Bay offers its own Tech E&O product with limits up to $10 million.

At-Bay sells one defined Tech E&O program with broad contract and IP terms and limits up to $10 million for firms up to $5 billion in revenue; RiskCube shops several insurers for AI, fintech, govtech, defense, space and Web3 companies and checks for AI and contract gaps. ^1,⁵

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

One Program vs a Broker for Frontier Tech

At-Bay places its own Tech E&O program through its producer, for technology companies up to $5 billion in revenue, with limits up to $10 million. RiskCube is an independent brokerage that compares Tech E&O across insurers it does not name, aimed at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models could cost a customer money. Choose At-Bay if you want known terms and high limits; choose RiskCube if you are in one of those sectors and want several insurers compared for you. ² ¹ ⁵ ⁶

Broad Base Terms vs Gap-Filling for AI and Contracts

At-Bay expands IP cover to trade secrets and source-code license issues, and does not exclude warranties, guarantees or consequential damages. RiskCube says it can add excess cover for AI gaps such as algorithmic bias or hallucination claims, and checks the waiver-of-subrogation language enterprise contracts often demand. If you sell AI into enterprises, ask At-Bay how its form treats AI losses. ⁵ ¹

Quote Speed

RiskCube asks for product, customer, revenue, SLA or indemnity details and prior claims, and says it usually returns quotes in about 24 hours. At-Bay takes email submissions or automated quotes through its Broker Platform, and includes Stance security tools. Neither describes Tech E&O claims handling; At-Bay's claims page is cyber-focused. ⁵ ¹ ⁴

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

Ask RiskCube which insurer it proposes, and which company issues At-Bay's policy. ⁶ ¹
Compare the actual IP, AI and contract/SLA wording on each form. ⁵ ¹
Get limits and retentions from RiskCube; it publishes none. ⁵ ¹
Confirm waiver-of-subrogation and any AI excess on the RiskCube placement, and Stance on At-Bay's. ⁵ ¹

At-Bay vs RiskCube Tech E&O Insurance Compared

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

Criteria	At-Bay Tech E&O Insurance	RiskCube Technology Errors and Omissions (E&O) Insurance
How to Apply	You apply for At-Bay Tech E&O 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 asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. ⁵Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.
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.	RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. ⁵Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. ⁵Company-reported. Tech E&O product page "Common Exclusions" section.
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.	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁵Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.
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.	RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. ^6,⁵Company-reported. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.
Risk Services	Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. ⁵Company-reported. Tech E&O product page "AI & enterprise risk" FAQ.