At-Bay vs 
Simply Business: How Do They Compare for Professional Liability (E&O) Insurance?
What Is At-Bay Insurance?
At-Bay targets technology firms with up to $5 billion in revenue and offers cyber limits up to $10 million, plus technology E&O; buyers seeking a standard online business package should compare other carriers. Managed detection and response costs extra. 1,2
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 7,8
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
MPL terms and stated limit ceiling
At-Bay publishes miscellaneous professional liability with limits up to $5 million, subject to state restrictions and eligibility, and lists coverage for independent contractors, disciplinary-defense costs, personal injury and a duty to defend. Simply Business describes E&O costs that may be covered but does not publish limits in its reviewed record. Ask the broker for At-Bay’s appetite guide and compare the actual limit and retention with the selected panel quote. 3 9
Broker submission and online comparison
At-Bay directs licensed professionals to submit business by email or use its Broker Platform to customize limits and retentions and bind. Simply Business offers an online application and comparison flow, with panel-member approval required before binding. Confirm who can submit the At-Bay risk and how long the Simply Business quote remains conditional. 6 8
What to Confirm in Professional Liability (E&O) Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
At-Bay
Review Score
2 rated sources
At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.[3][6][9]
Read At-Bay reviewsSimply Business
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsOffering Details
At-Bay vs Simply Business: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Professional liability (E&O) insurance through Simply Business |
|---|---|---|
| Role in This Line | At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. 3,4Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk. | Confirm in your quote. |
| Issuing Insurer | The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. 3,5Not found in reviewed sources. Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper. | Confirm in your quote. |
| Who It’s For | At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. 3Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record. | Simply Business lists consultants, IT professionals, real-estate agents and bookkeepers among the business examples for which it can help find E&O coverage. The examples do not guarantee eligibility. 9Company-reported. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. 3Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions. | The page describes protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. 9Company-reported. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. 3Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant. | Confirm in your quote. |
| How to Apply | At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. 3,6Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed. | The company describes an online flow to answer business questions, compare quotes and select a policy. Its Terms say an online quote is not guaranteed and binding requires panel-member approval. 9,8Company-reported. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
Other Professional Liability (E&O) Insurance Comparisons
Sources
At-Bay
- Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
- At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
- MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
- Licenses. At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
- At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
- Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Professional Liability Insurance Coverage. Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. Accessed 2026-09-29.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
