---
title: "At-Bay vs TechInsurance: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-techinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-techinsurance"
provider-a: "at-bay"
provider-b: "techinsurance"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

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

**Key facts:**
- Line: Tech E&O 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
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — 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 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 bundles E&O and cyber policies for small IT firms at a median of about $67 a month, while At-Bay writes tech E&O up to $10 million with broader contract and IP cover.

## At-Bay vs TechInsurance Tech E&O Insurance Summary

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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

## 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")
- Get limit, retention and issuing insurer from both; TechInsurance doesn’t name an insurer. [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Treat the $67 median as a benchmark, not your price, and ask At-Bay whether Stance is included in its premium. [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## At-Bay vs TechInsurance Tech E&O Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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). [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page; general policy description, not a specific policy form..)<br><br>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. [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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](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 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. [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page..) |

## About At-Bay and TechInsurance and Tech E&O 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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for At-Bay vs TechInsurance Tech E&O Insurance

- [At-Bay vs TechInsurance](https://spot.insure/compare/at-bay-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [TechInsurance Tech E&O Insurance](https://spot.insure/insurance-providers/techinsurance/technology-errors-omissions)

## Sources for At-Bay vs TechInsurance Tech E&O Insurance

### Sources About At-Bay

1. [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; 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. [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 (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. 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/technology-errors-omissions.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)