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

Risklytics is a licensed producer that places Tech E&O with outside carriers through an online application and charges no broker fee on top of premium. At-Bay offers limits up to $10 million and Stance with each policy.

Risklytics places Tech E&O for robotics, autonomy and AI companies with specialist insurers, checks every form for AI exclusions and charges no broker fee. At-Bay writes its own Tech E&O form with limits up to $10 million for tech firms up to $5 billion in revenue. ^6,^5,^2,^3,¹

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

AI-Risk Specialist Broker vs an Insurer With High Limits

Risklytics is a licensed broker that places Tech E&O with specialist insurers willing to write robotics, autonomy and AI risk. It says some insurers exclude AI-related losses, so it reads every form for AI exclusions before binding. At-Bay writes its own Tech E&O form, with limits up to $10 million; its automated broker platform quotes up to $3 million for companies up to $100 million in revenue. Choose Risklytics if your product is AI, robotics or autonomy and exclusions are your worry; choose At-Bay if you need limits above $5 million. ⁶ ⁵ ¹ ²

What's Covered

Risklytics says Tech E&O pays when your product or service costs a customer money, such as a perception model mislabeling shipments, and keeps hacks and leaks under cyber. At-Bay lists negligence in installations, coding, data processing, implementations and outages, plus contractual indemnity and service credits you owe customers counted as damages. ⁵ ¹

Limits and How You Apply

Risklytics says customers typically ask for $1 million to $5 million per claim. You apply online and it says there's no broker fee on top of premium. At-Bay takes submissions from brokers by email or its platform. ⁷ ⁶ ¹

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

Ask Risklytics which insurer is on your binder, and confirm the At-Bay company on its quote. ⁵ ¹
Check for any AI exclusion on either form. ⁵ ¹
Ask whether At-Bay's Stance security services are included. ¹ ⁶

At-Bay vs Risklytics Tech E&O Insurance Compared

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

Criteria	At-Bay Tech E&O Insurance	Risklytics Professional Liability (Tech E&O) Insurance
Limits and Retentions	At-Bay says it writes primary and excess Tech E&O 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 to $5 million per claim for this line. ⁵Company-reported. Lines page; actual limits are set on the bound policy.
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.	You start Risklytics Professional Liability (Tech E&O) 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 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.	Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. ⁵Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) 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 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.	Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) 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 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.	Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. ⁵Company-reported. Lines page.