At-Bay vs StartupInsurance.ai Tech E&O Insurance

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. ^4,5Company-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.

StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. ^9,10Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.

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. ^3,5Company-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.

The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. ⁹Not publicly disclosed. Homepage carrier panel; the panel is program-wide, not broken out by coverage line.

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. ³Company-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. ³Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. ⁹Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.

StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. ⁹Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.

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. ³Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.

Not described in the reviewed sources.

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. ³Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.

StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. ⁹Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy.

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. ³Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

"Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. ⁸Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.

At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. ⁶Not found in reviewed sources. Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one.

Not described in the reviewed sources.