At-Bay vs TechInsurance: How Do They Compare for Cyber Insurance?

TechInsurance reports a median of $129 a month and lists exclusions; At-Bay lists included security and extortion features, and endpoint or email monitoring and response costs extra at $16 or $25 per user a month.

TechInsurance reports a $129 monthly median premium from its own small-business book. At-Bay publishes no typical price and instead lists appetite up to $5 billion in revenue with Stance on every policy. ^5,¹

What Are the Key Differences Between At-Bay and TechInsurance Cyber Insurance?

Scale Each Company Says It Will Write

TechInsurance shops cyber liability across carriers for small businesses that handle sensitive data, naming IT, retail, healthcare, financial services, real estate and media as example segments. At-Bay's published appetite is far larger: primary and excess cyber for revenue up to $5 billion and limits up to $10 million, with its Broker Platform automating quotes only up to $100 million in revenue and $3 million in limits. Choose TechInsurance if you want multi-carrier quotes aimed at small firms; choose At-Bay if you need higher published limits than that marketplace describes. ⁵ ¹

Price Transparency Before You Apply

Only TechInsurance publishes a typical premium from its own customer data, so you can see a dollar figure before you apply:

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ⁵Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

At-Bay's page lists coverage features and those appetite ceilings instead of a median or average price, so you cannot compare dollars until you request a quote. ¹

What Is Excluded Versus What Is Bundled

TechInsurance specifically states that cyber liability does not cover professional-negligence claims unrelated to a breach or physical damage to hardware, and it does not describe security-monitoring services for policyholders. At-Bay instead includes Stance — vulnerability monitoring, vCISO advisory and awareness training — with every policy, while managed detection and response is sold separately. ⁵ ¹

What Should You Confirm in At-Bay and TechInsurance Cyber Insurance Quotes?

Ask TechInsurance which carriers are actually quoting your account, because the $129 median spans its full book rather than one insurer. ⁵
Ask At-Bay for a premium, retention and InsurSec tier, since the product page publishes appetite rather than typical cost. ¹
Confirm whether TechInsurance's quoted form excludes hardware damage or non-breach negligence that would matter to you. ⁵
Ask whether At-Bay's Stance access is included in the quoted premium and what MDR would add per user. ¹

At-Bay vs TechInsurance Cyber Insurance Compared

At-Bay vs TechInsurance: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	TechInsurance Cyber Liability Insurance
Limits and Retentions	At-Bay says it writes primary and excess cyber 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.	TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ⁵Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
How to Apply	You apply for At-Bay cyber 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 request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ⁵Company-reported. Cyber liability product page application and certificate sections.
Coverage Features	At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.	TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ⁵Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ⁵Company-reported. What isn't covered by cyber liability insurance section of the product page.
Role in This Line	At-Bay places cyber 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) cyber 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, not confirmed for every current cyber quote.	TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ⁵Company-reported. Cyber liability product page.