At-Bay vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms, noting contracts often ask for $1 million or more; At-Bay writes primary and excess up to $10 million with security tiers.

Risklytics says companies typically need cyber once customer data is in production, that enterprise contracts often ask for $1 million or more, and that it adds no broker fee. At-Bay includes Stance on every policy and writes primary and excess cyber for limits up to $10 million. ^5,¹

What Are the Key Differences Between At-Bay and Risklytics Cyber Insurance?

A $1 Million Contract Ask Versus a $10 Million Published Ceiling

Risklytics, a licensed producer that places rather than underwrites, says companies typically need cyber the first time they hold customer data in production, lists a typical enterprise-contract ask of $1 million or more, and says it adds no broker fee on top of premium. At-Bay includes Stance on every policy and publishes appetite up to $10 million in limits and $5 billion in revenue. Choose Risklytics if you need that contract-limit framing and a published no-broker-fee statement; choose At-Bay if you want Stance and the higher published ceiling. ⁵ ⁷ ¹

AI-Output Wording Versus Included Crime Covers

Risklytics describes cyber as paying for breach cleanup, notifications and claims after a hack or data leak, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. You start through its online application. At-Bay lists social engineering for all classes, cryptojacking and bricking at full limits, and a breach-coach line, without describing that AI-output scenario. ⁵ ¹ ⁴

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

Ask Risklytics which specialist insurer will write the risk and whether harmful model output without a breach is excluded. ⁵
Ask At-Bay which appetite band and Stance tier apply. ¹
Compare Risklytics' $1 million contract ask with At-Bay's $10 million published ceiling on the actual quotes. ⁵ ¹

At-Bay vs Risklytics Cyber Insurance Compared

At-Bay vs Risklytics: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	Risklytics Cyber Liability Insurance
Limits and Retentions	At-Bay says it writes primary and excess cyber 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. ¹Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.	Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. ⁵Company-reported. Lines page; actual limits are set on the bound policy.
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.	You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^7,⁶Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ⁵Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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.	Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^5,⁶Company-reported. Lines page and about page; no specific insurer is published for this line.
Risk Services	Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. ⁵Company-reported. Lines page.