At-Bay vs TechInsurance: How Do They Compare for Tech E&O Insurance?

TechInsurance sells Tech E&O as a two-policy bundle with cyber liability for IT firms, citing a median of $67 a month. At-Bay offers a Tech E&O product with limits up to $10 million for businesses with revenue up to $5 billion.

TechInsurance suits small IT firms that want E&O and cyber as a two-policy bundle, with a published median cost of about $67 a month. At-Bay suits companies needing more: limits up to $10 million, IP cover beyond copyright, and no exclusion for warranties or consequential damages. ^5,¹

What Are the Key Differences Between At-Bay and TechInsurance Tech E&O Insurance?

Low-Cost Two-Policy Bundle vs High-Limit Tech E&O

TechInsurance sells tech E&O as two policies, errors and omissions plus cyber liability, for software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms, and publishes a median cost of about $67 a month. At-Bay writes tech E&O as its own line for companies with up to $5 billion in revenue, with limits up to $10 million and Stance services. Choose TechInsurance if you are a small IT business that wants a cheap starting point with cyber included; choose At-Bay if your contracts demand high limits or broad IP cover. ⁵ ¹

IP and Warranty Claims Covered vs Added Only by Request

At-Bay says it expands breach-of-contract cover, does not exclude warranties, guarantees or consequential damages, and extends IP cover beyond software copyright. TechInsurance’s E&O covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, but IP and copyright disputes aren’t included unless you add them. At-Bay is the stronger form if a customer could sue over IP or a warranty. ¹ ⁵

What Should You Confirm in At-Bay and TechInsurance Tech E&O Insurance Quotes?

Ask TechInsurance whether IP cover must be added to your bundle and what it costs. ⁵
Get limit, retention and issuing insurer from both; TechInsurance doesn’t name an insurer. ⁵ ¹
Treat the $67 median as a benchmark, not your price, and ask At-Bay whether Stance is included in its premium. ⁵ ¹

At-Bay vs TechInsurance Tech E&O Insurance Compared

At-Bay vs TechInsurance: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	TechInsurance Technology Errors and Omissions (Tech E&O) Insurance
Limits and Retentions	At-Bay says it writes primary and excess Tech E&O 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 tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁵Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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. ¹Company-reported. 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. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁵Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁵Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
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. ^2,³Company-reported. 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.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁵Company-reported. Tech E&O product page.

Criteria

At-Bay Tech E&O Insurance

TechInsurance Technology Errors and Omissions (Tech E&O) Insurance

Limits and Retentions

At-Bay says it writes primary and excess Tech E&O 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 tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁵Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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. ¹Company-reported. 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. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁵Company-reported. Tech E&O product page; general policy description, not a specific policy form.

TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁵Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.

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. ^2,³Company-reported. 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.

TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁵Company-reported. Tech E&O product page.