---
title: "At-Bay vs TechInsurance: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-techinsurance"
provider-a: "at-bay"
provider-b: "techinsurance"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of At-Bay and TechInsurance for Cyber 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 Cyber Insurance questions about At-Bay versus TechInsurance. 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 TechInsurance for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or TechInsurance?
- What does At-Bay or TechInsurance publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/at-bay-vs-techinsurance) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 shows a $129 monthly median from its small-business book; At-Bay publishes no typical premium and instead lists revenue appetite up to $5 billion with Stance included.

## At-Bay vs TechInsurance Cyber Insurance Summary

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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask At-Bay for a premium, retention and InsurSec tier, since the product page publishes appetite rather than typical cost. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Confirm whether TechInsurance's quoted form excludes hardware damage or non-breach negligence that would matter to you. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask whether At-Bay's Stance access is included in the quoted premium and what MDR would add per user. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## At-Bay vs TechInsurance Cyber Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>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. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](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, 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. [5](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |

## About At-Bay and TechInsurance and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs TechInsurance Cyber Insurance

- [At-Bay vs TechInsurance](https://spot.insure/compare/at-bay-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [TechInsurance Cyber Insurance](https://spot.insure/insurance-providers/techinsurance/cyber)

## Sources for At-Bay vs TechInsurance Cyber Insurance

### Sources About At-Bay

1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber 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 TechInsurance

5. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
6. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. 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-techinsurance/cyber.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)