At-Bay vs 
TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?
TechInsurance arranges standalone E&O for IT, SaaS and consulting firms and reports a median premium of $88 a month; At-Bay markets MPL for licensed insurance professionals, with limits up to $5 million.
TechInsurance publishes a company-reported $88 median monthly premium; At-Bay publishes a $5 million MPL ceiling, giving buyers different screens before requesting a quote. 5,1
What Are the Key Differences Between At-Bay and TechInsurance Professional Liability (E&O) Insurance?
A Published Price Versus a Published Limit
TechInsurance puts a number on the table up front:
TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. 5Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
At-Bay answers a different question on its own page. Instead of a price, it publishes a limit ceiling of up to $5 million for Miscellaneous Professional Liability (MPL). 1
So a buyer comparing the two sees what TechInsurance's typical customer pays, but has to ask At-Bay separately what a policy at that $5 million ceiling would actually cost.
Who You're Actually Buying From
TechInsurance arranges E&O as a standalone policy for businesses that provide professional services or advice, sold directly to that business. 5
At-Bay instead distributes MPL through its own disclosed producer, At-Bay Insurance Services LLC. Its product page is aimed at licensed insurance professionals submitting business, not a retail buyer going it alone. 1 2
That difference matters for how you'd actually start: a direct online purchase versus a submission through a producer.
Keeping Past Work Covered
TechInsurance recommends keeping an E&O policy active, or setting a retroactive date, so that work performed before the current policy started stays covered under its claims-made structure. 5
At-Bay's page names a different set of mechanics already built into MPL, including an 80/20 hammer clause for settlement disputes, without a comparable discussion of retroactive dates. 1
What Should You Confirm in At-Bay and TechInsurance Professional Liability (E&O) Insurance Quotes?
- Ask TechInsurance how your specific profession, location, and claims history would move the premium away from its published median. 5
- Ask At-Bay directly which insurer would issue your MPL policy, since the product page does not name one. 1
- Ask TechInsurance which insurer would issue your policy, since its page does not name one either. 5
- Ask At-Bay for its published $5 million limit ceiling and any state restrictions that apply to your business. 1
- Confirm whether TechInsurance can set a retroactive date that covers your past work before you switch from a prior policy. 5
At-Bay vs TechInsurance Professional Liability (E&O) Compared
At-Bay vs TechInsurance: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | TechInsurance Errors and Omissions Insurance |
|---|---|---|
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. 1Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant. | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. 5Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Who It’s For | At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. 1Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record. | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. 5Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section. |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. 1Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions. | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. 5Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. 5Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section. |
| Role in This Line | At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. 1,2Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk. | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. 5Company-reported. Errors and omissions product page. |
