---
title: "At-Bay vs TechInsurance"
description: "Compare a specialist technology policy with TechInsurance’s small-technology brokerage and clarify its Insureon/HUB relationship."
canonical: "https://spot.insure/compare/at-bay-vs-techinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "TechInsurance"]
---

[Human-readable page](https://spot.insure/compare/at-bay-vs-techinsurance)

# At-Bay vs TechInsurance

Compare a specialist technology policy with TechInsurance’s small-technology brokerage and clarify its Insureon/HUB relationship.

## Research Scope and Use

Use this comparison to evaluate At-Bay and TechInsurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay markets combined technology E&O and cyber coverage. TechInsurance is an SPG brokerage brand serving technology businesses, using the Insureon platform within HUB’s corporate group. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [15](https://www.techinsurance.com/about-us "About TechInsurance") [17](https://www.techinsurance.com/legal/licenses "Insurance Licensing") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon")



## Introduction

A small SaaS business may receive the same customer requirement through several broker websites: technology E&O plus cyber. TechInsurance markets a combined approach for technology buyers through its brokerage. At-Bay offers a specialist combined product. Compare the actual proposed forms and the markets approached, rather than assuming each website represents an independent insurance option. [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### TechInsurance

- One application to compare multiple insurance quotes [15](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
- Technology E&O and cyber coverage marketed together [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | TechInsurance |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Commercial auto | Not listed | Listed [14](https://www.techinsurance.com/ "Technology Business Insurance") |
| Commercial property | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Directors and officers | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Employment practices liability | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Fidelity bonds | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| General liability | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Surety bonds | Not listed | Listed [16](https://www.techinsurance.com/contact-us "Contact Us") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") |
| Tools, equipment and inland marine | Not listed | Listed [21](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Workers’ compensation | Not listed | Listed [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between at-Bay and TechInsurance

### Corporate Ties Matter When Comparing Broker Proposals

TechInsurance operates through SPG and the Insureon platform within HUB’s group. Requesting quotes from TechInsurance, Insureon and HUB does not necessarily create three independent market searches. Ask which team owns each submission and which insurers it will approach. At-Bay’s broker platform concerns access to its products, not a competing broker panel. [15](https://www.techinsurance.com/about-us "About TechInsurance") [17](https://www.techinsurance.com/legal/licenses "Insurance Licensing") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform")

### A Combined Description Still Leaves Form Differences

TechInsurance’s technology E&O description includes cyber protection, but the issuer and wording depend on the placed policy. At-Bay describes its combined product directly. Ask both routes to address the same service failure, data incident and customer indemnity scenarios; a shared coverage name is not proof of matching exclusions or limits. [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [21](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### Shopping Compensation and Security Costs Are Separate

SPG’s compensation disclosure includes commissions, possible fees and enhanced remuneration from strategic carrier relationships. At-Bay separately describes policy-linked security charges. Ask how the broker’s remuneration and the product’s service costs appear in the total, without treating either structure as proof of a better or worse recommendation. [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") [7](https://www.at-bay.com/stance/ "At-Bay Stance")

## What to Confirm in Quotes

Request the submission list, quoted legal insurer, California acceptance and itemized compensation. For an incident, identify the policy notice address and which broker will assist: TechInsurance directs claims toward the carrier, while At-Bay describes cyber response coordination. Neither public description establishes claims quality. [18](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California") [24](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim "How Do I File a Business Insurance Claim?") [8](https://www.at-bay.com/claims/ "Claims Handling")



## Service Comparison

At-Bay vs TechInsurance: documented services and availability.

| Criteria | At-Bay | TechInsurance |
| --- | --- | --- |
| Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [16](https://www.techinsurance.com/contact-us "Contact Us") [22](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)<br><br>TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [15](https://www.techinsurance.com/about-us "About TechInsurance") [16](https://www.techinsurance.com/contact-us "Contact Us") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) |
| Customer focus | At-Bay markets Tech E&O to technology businesses. Its current product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits; the broker-platform route has lower published ceilings of $100 million in revenue and $3 million in limits. These are appetite ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)<br><br>A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. [21](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Marketed customer groups, not acceptance criteria or proof of growth-stage capacity.; verified: 2026-09-16.) |
| Application process | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [15](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)<br><br>TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [16](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; verified: 2026-09-16.) |
| Fees and compensation | Stance access uses an Embedded Security Fee and Endorsement, while MDR is separately purchased. Security costs should be distinguished from the insurance premium and any broker charges. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Does not describe included security as free or quote an unverified fee amount.; verified: 2026-09-16.)<br><br>Commission rates, broker compensation arrangements and a complete placement-fee schedule were not disclosed in the reviewed product, platform and US terms pages. This does not establish that commissions or fees are absent; request an itemized quote and compensation disclosure. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [10](https://www.at-bay.com/terms-of-service/ "Terms of Service") (Evidence: Not publicly disclosed; scope: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified: 2026-09-16.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [22](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)<br><br>SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance)

## Related Comparisons

- [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay)
- [Alliance Risk vs TechInsurance](https://spot.insure/compare/alliance-risk-vs-techinsurance)
- [Amelia Risk vs At-Bay Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay)
- [Amelia Risk vs TechInsurance](https://spot.insure/compare/amelia-risk-vs-techinsurance)
- [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay)
- [Armilla vs TechInsurance](https://spot.insure/compare/armilla-vs-techinsurance)
- [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley)
- [At-Bay vs CFC Insurance](https://spot.insure/compare/at-bay-vs-cfc)
- [At-Bay vs Chubb Insurance](https://spot.insure/compare/at-bay-vs-chubb)
- [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition)
- [At-Bay vs Corgi Insurance](https://spot.insure/compare/at-bay-vs-corgi)
- [At-Bay vs Coterie Insurance](https://spot.insure/compare/at-bay-vs-coterie)
- [At-Bay vs Coverdash Insurance](https://spot.insure/compare/at-bay-vs-coverdash)
- [At-Bay vs Cowbell Insurance](https://spot.insure/compare/at-bay-vs-cowbell)
- [At-Bay vs Embroker Insurance](https://spot.insure/compare/at-bay-vs-embroker)
- [At-Bay vs Founder Shield Insurance](https://spot.insure/compare/at-bay-vs-foundershield)
- [At-Bay vs Gallagher Insurance](https://spot.insure/compare/at-bay-vs-gallagher)
- [At-Bay vs Harper Insurance](https://spot.insure/compare/at-bay-vs-harper)
- [At-Bay vs Heffernan Insurance Brokers Insurance](https://spot.insure/compare/at-bay-vs-heffernan)
- [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox)
- [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international)
- [At-Bay vs Kinro Insurance](https://spot.insure/compare/at-bay-vs-kinro)
- [At-Bay vs Layr Insurance](https://spot.insure/compare/at-bay-vs-layr)
- [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton)
- [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh)
- [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo)
- [At-Bay vs Newfront Insurance](https://spot.insure/compare/at-bay-vs-newfront)
- [At-Bay vs ERGO NEXT Insurance](https://spot.insure/compare/at-bay-vs-next-insurance)
- [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance)
- [At-Bay vs Relm Insurance](https://spot.insure/compare/at-bay-vs-relm)
- [At-Bay vs Resilience Insurance](https://spot.insure/compare/at-bay-vs-resilience)
- [At-Bay vs RiskCube Insurance](https://spot.insure/compare/at-bay-vs-riskcube)
- [At-Bay vs Risklytics Insurance](https://spot.insure/compare/at-bay-vs-risklytics)
- [At-Bay vs StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance)
- [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford)
- [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers)
- [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi)
- [At-Bay vs Vouch Insurance](https://spot.insure/compare/at-bay-vs-vouch)
- [At-Bay vs WithCoverage Insurance](https://spot.insure/compare/at-bay-vs-withcoverage)
- [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance)
- [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance)
- [Chubb vs TechInsurance](https://spot.insure/compare/chubb-vs-techinsurance)
- [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance)
- [Corgi vs TechInsurance](https://spot.insure/compare/corgi-vs-techinsurance)
- [Coterie Insurance vs TechInsurance](https://spot.insure/compare/coterie-vs-techinsurance)
- [Coverdash vs TechInsurance](https://spot.insure/compare/coverdash-vs-techinsurance)
- [Cowbell vs TechInsurance](https://spot.insure/compare/cowbell-vs-techinsurance)
- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance)
- [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-vs-techinsurance)
- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance)
- [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance)
- [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance)
- [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance)
- [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance)
- [Kinro vs TechInsurance](https://spot.insure/compare/kinro-vs-techinsurance)
- [Layr vs TechInsurance](https://spot.insure/compare/layr-vs-techinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance)
- [Mylo vs TechInsurance](https://spot.insure/compare/mylo-vs-techinsurance)
- [Newfront vs TechInsurance](https://spot.insure/compare/newfront-vs-techinsurance)
- [ERGO NEXT Insurance vs TechInsurance](https://spot.insure/compare/next-insurance-vs-techinsurance)
- [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance)
- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance)
- [Resilience vs TechInsurance](https://spot.insure/compare/resilience-vs-techinsurance)
- [RiskCube vs TechInsurance](https://spot.insure/compare/riskcube-vs-techinsurance)
- [Risklytics vs TechInsurance Insurance](https://spot.insure/compare/risklytics-vs-techinsurance)
- [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-vs-techinsurance)
- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford)
- [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers)
- [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi)
- [TechInsurance vs Vouch](https://spot.insure/compare/techinsurance-vs-vouch)
- [TechInsurance vs WithCoverage](https://spot.insure/compare/techinsurance-vs-withcoverage)

## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [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; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [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: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [TechInsurance Official Website](https://www.techinsurance.com/)

14. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
15. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
16. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
17. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
18. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
19. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
20. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
21. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
22. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
23. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
24. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim). TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
25. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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-techinsurance.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)