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

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

## Agent Guide

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

**Key facts:**
- Line: Tech E&O 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
- [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
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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 its own Tech E&O program with broad contract and IP terms, limits up to $10 million and Stance security tools, while RiskCube is a broker that compares insurers for AI, fintech, defense, space and Web3 companies and quotes in about 24 hours.

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

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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

## 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](https://www.at-bay.com/licenses/ "Licenses") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation")

### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [4](https://www.at-bay.com/claims/ "Claims Handling")

## 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Compare the actual IP, AI and contract/SLA wording on each form. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Get limits and retentions from RiskCube; it publishes none. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Confirm waiver-of-subrogation and any AI excess on the RiskCube placement, and Stance on At-Bay's. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

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

| 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "What's covered" section..)<br><br>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. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](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..) | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](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..) | 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "AI & enterprise risk" FAQ..) |

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

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

- [At-Bay vs RiskCube](https://spot.insure/compare/at-bay-vs-riskcube): 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)
- [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions)

## Sources for At-Bay vs RiskCube 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 RiskCube

5. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. 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/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)