--- title: "At-Bay vs StartupInsurance.ai: Tech E&O Insurance" description: "At-Bay describes its Tech E&O policy, Stance and published limits. StartupInsurance.ai lists Tech E&O as a program line arranged by ContractorNerd Insurance Services, LLC, and says it checks customer contracts for accuracy warranties and uptime promises the policy may not cover." canonical: "https://spot.insure/compare/at-bay-vs-startupinsurance/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "at-bay-vs-startupinsurance" provider-a: "at-bay" provider-b: "startupinsurance" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/at-bay-vs-startupinsurance/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of At-Bay and StartupInsurance.ai 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 StartupInsurance.ai. 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 StartupInsurance.ai for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, At-Bay or StartupInsurance.ai? - What does At-Bay or StartupInsurance.ai publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: At-Bay and StartupInsurance.ai. - 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 StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance) — 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 - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile # At-Bay vs StartupInsurance.ai: How Do They Compare for Tech E&O Insurance? StartupInsurance.ai checks customer contracts against Tech E&O wording for gaps like uptime promises; At-Bay places Tech E&O through its licensed producer, with limits up to $10 million. At-Bay sells a Tech E&O program with Stance; StartupInsurance.ai brokers the line and reads customer contracts against the form. ## At-Bay vs StartupInsurance.ai Tech E&O Insurance Summary At-Bay describes its Tech E&O policy, Stance and published limits. StartupInsurance.ai lists Tech E&O as a program line arranged by ContractorNerd Insurance Services, LLC, and says it checks customer contracts for accuracy warranties and uptime promises the policy may not cover. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") ## What Are the Key Differences Between At-Bay and StartupInsurance.ai Tech E&O Insurance? ### Who Places the Risk At-Bay places Tech E&O through its producer and describes the policy terms it sells. ai lists “Tech E&O and Professional Liability” as a program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. [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://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") When comparing At-Bay and StartupInsurance.ai, decide whether you want direct access to an insurer or a broker who can help structure and shop the placement. ### Contract Warranty Gaps Versus Form Highlights ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises a startup takes on in customer contracts, and that it reads those contracts against the policy before binding (its free policy check). [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") ## What Should You Confirm in At-Bay and StartupInsurance.ai Tech E&O Insurance Quotes? - The issuing insurer StartupInsurance.ai places and the entity on At-Bay’s quote. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") - Whether accuracy warranties, uptime SLAs and At-Bay’s warranty language actually match the bound form. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") - Any AI exclusion on either policy. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") - Limits, retentions and whether Stance or a contract-review service is included. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## At-Bay vs StartupInsurance.ai Tech E&O Insurance Compared | Criteria | At-Bay Tech E&O Insurance | StartupInsurance.ai Technology Errors & Omissions (Tech 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..) | "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. [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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..) | | 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..)

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..) | 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. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..) | | 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..) | 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. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: 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..) | | 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..) | 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. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy..) | ## About At-Bay and StartupInsurance.ai 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) - [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for At-Bay vs StartupInsurance.ai Tech E&O Insurance - [At-Bay vs StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance): 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) - [StartupInsurance.ai Tech E&O Insurance](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions) ## Sources for At-Bay vs StartupInsurance.ai 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 StartupInsurance.ai 5. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23. 6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing”. Accessed 2026-09-23. 7. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”. 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-startupinsurance/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)