---
title: "At-Bay vs The Hartford"
description: "How At-Bay’s broker-platform cyber and Tech E&O, with Stance security fees, differ from The Hartford’s insurer cyber and FailSafe products."
canonical: "https://spot.insure/compare/at-bay-vs-the-hartford"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "The Hartford"]
---

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

# At-Bay vs The Hartford

How At-Bay’s broker-platform cyber and Tech E&O, with Stance security fees, differ from The Hartford’s insurer cyber and FailSafe products.

## Research Scope and Use

Use this comparison to evaluate At-Bay and The Hartford against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay Insurance Services LLC is a disclosed P&C agency and surplus-lines broker; coverage is described as underwritten by non-admitted insurers. California product eligibility for a specific startup remains unresolved. The Hartford issues cyber and FailSafe on affiliate paper and also writes small-business packages At-Bay’s specialist lines do not replace. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")



## Introduction

A founder comparing cyber specialists still needs workers’ compensation and often a business owner’s policy. At-Bay’s technology errors and omissions combining professional liability and cyber, including advertised service-credit damages, is not Hartford FailSafe and is not workers’ compensation. A 2023 appetite PDF on At-Bay’s site has lower ceilings and restricted classes including autonomous AI; it is not current eligibility. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### The Hartford

- The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.)
- Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | The Hartford |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| Commercial auto | Not listed | Listed [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| Commercial property | Not listed | Listed [24](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| Crime | Not listed | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| Directors and officers | Not listed | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [33](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") |
| Employee health and benefits | Not listed | Listed [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") |
| Employment practices liability | Not listed | Listed [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| Fiduciary liability | Not listed | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| General liability | Not listed | Listed [23](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |
| Hired and non-owned auto | Not listed | Listed [31](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") |
| Kidnap and ransom | Not listed | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| Management liability | Not listed | Listed [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") |
| Tools, equipment and inland marine | Not listed | Listed [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [35](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") |
| Workers’ compensation | Not listed | Listed [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between at-Bay and the Hartford

### Surplus Agency Versus Admitted Group Path

At-Bay lists California property-and-casualty and surplus-lines license 0L73812 for At-Bay Insurance Services LLC (company-reported). Products may not be available in every state; miscellaneous professional liability has state restrictions. Current California eligibility for a named product and issuer is not established on At-Bay’s published product and license materials. [5](https://www.at-bay.com/licenses/ "Licenses")

Hartford Fire’s California authority is independently cited. Hartford still underwrites each class. [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company")

### Paper History Versus Named Hartford Subsidiaries

An August 2023 announcement said eligible new excess-and-surplus cyber and technology errors-and-omissions business would be quoted on At-Bay Specialty Insurance Company paper. That does not identify the insurer on a current California quote. Current miscellaneous-professional-liability product materials do not name the issuer; a September 2023 note named United Specialty Company historically. Hartford quotes name Hartford affiliates. [11](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") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [17](https://www.thehartford.com/legal-notice "Legal Notice")

### Stance Fees Versus Hartford Cyber Phone Path

Stance monitoring, training and advisors are tied to an Embedded Security Fee and Endorsement. Optional MDR is purchased from At-Bay Security, LLC. Hartford cyber pages describe coverage and a dedicated cyber claims number, not Stance. Distinguish security fees from premium. [7](https://www.at-bay.com/stance/ "At-Bay Stance") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [39](https://www.thehartford.com/claims "Insurance Claim Center")

### Broker Platform Versus Direct Portal

At-Bay’s workflow is broker-led: application, limits, documents, contingencies, signatures. Rapid renewals are described as binding automatically 15 days before expiry if enrolled. Hartford small-business quoting can be direct. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [21](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote")

## What to Confirm in Quotes

- **Issuing insurer and surplus status** for California Tech E&O versus MPL. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- **Current appetite**, not the 2023 PDF. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide")
- **Which Hartford policies** remain if At-Bay takes only cyber/E&O. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote")



## Service Comparison

At-Bay vs The Hartford: documented services and availability.

| Criteria | At-Bay | The Hartford |
| --- | --- | --- |
| Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [17](https://www.thehartford.com/legal-notice "Legal Notice") [38](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [20](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) |
| Coverage lines | At-Bay describes Tech E&O as combining professional liability and cyber protection, including coding errors, failed implementations and customer contractual indemnity. It also describes service credits issued to settle a claim as payable damages, subject to policy terms. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)<br><br>At-Bay markets cyber coverage for direct and contingent business interruption and system failure, cyber extortion, privacy liability, and financial fraud exposures such as social engineering and invoice manipulation. Specific limits and conditions require the quote and policy. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") (Evidence: Company-reported; scope: Current cyber product offering; components are not separate catalogue products.; verified: 2026-09-16.)<br><br>At-Bay markets miscellaneous professional liability (MPL) on a primary basis for businesses of all revenue sizes, with limits up to $5 million and state restrictions. The product page describes claims-made-and-reported coverage, a duty to defend and a tailored definition of professional services. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current MPL page; eligibility and policy wording remain underwriting-specific.; verified: 2026-09-16.)<br><br>At-Bay advertises excess Cyber and Tech E&O alongside primary coverage. The excess catalogue entry refers to those specialist lines; it does not establish a general commercial umbrella offering. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Shared umbrella-excess key used only for explicitly marketed excess products.; verified: 2026-09-16.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [14](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [27](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [30](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [31](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [32](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [36](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)<br><br>The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [29](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) |
| Availability | At-Bay lists California P&C and surplus-lines license number 0L73812 for At-Bay Insurance Services LLC. This is a company disclosure, not an independently checked California Department of Insurance record or confirmation that a particular product is available. [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: California producer route; no regulator record retrieved.; verified: 2026-09-16.)<br><br>The reviewed product and licensing pages do not establish current California eligibility for a specific startup, product and issuing insurer. At-Bay warns that products may not be available in every state, and MPL has state restrictions; obtain California placement confirmation through the broker. [5](https://www.at-bay.com/licenses/ "Licenses") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Not found in reviewed sources; scope: Reviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.; verified: 2026-09-16.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [17](https://www.thehartford.com/legal-notice "Legal Notice") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [22](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)<br><br>The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [16](https://www.thehartford.com/business-insurance/california "California Business Insurance") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [17](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) |
| Servicing and renewals | At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)<br><br>At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)<br><br>At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) | The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [15](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [25](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [26](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [28](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [39](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; verified: 2026-09-16.) |
| Access to insurers | At-Bay announced in August 2023 that eligible new E&S Cyber and Tech E&O business would be quoted on At-Bay Specialty Insurance Company paper. That historical announcement does not identify the insurer on a current California quote or establish the issuer for MPL. [11](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: Historical announcement effective August 7, 2023; no buyer-specific policy reviewed.; verified: 2026-09-16.)<br><br>The current MPL product page does not name its issuing insurer. A September 2023 announcement names United Specialty Company for MPL, but that historical reference is insufficient to establish the current contracting insurer or California placement. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [13](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/ "At-Bay Doubles Miscellaneous Professional Liability Appetite") (Evidence: Not found in reviewed sources; scope: Current issuer not established; preserve source spelling without converting historical brand wording into a verified legal-entity record.; verified: 2026-09-16.) | Coverages described on Hartford sites may be offered by one or more property-and-casualty subsidiaries listed in the Legal Notice. Hartford Fire Insurance Company (NAIC 19682) is authorized in all U.S. states and the District of Columbia according to that notice, and California CDI independently confirms its California authorization. Employee-benefits pages also name Hartford Life and Accident Insurance Company. The reviewed sources do not identify the writing company that would appear on a specific SaaS, BOP or technology E&O policy. [17](https://www.thehartford.com/legal-notice "Legal Notice") [34](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [23](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [37](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") (Evidence: Company-reported; scope: Legal notice writing-company table as of 31 December 2025, rechecked 16 September 2026, plus CDI verification for Hartford Fire only. Other affiliates were not each re-checked at a state regulator.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford)

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- [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton)
- [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh)
- [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo)
- [At-Bay vs Newfront Insurance](https://spot.insure/compare/at-bay-vs-newfront)
- [At-Bay vs ERGO NEXT Insurance](https://spot.insure/compare/at-bay-vs-next-insurance)
- [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance)
- [At-Bay vs Relm Insurance](https://spot.insure/compare/at-bay-vs-relm)
- [At-Bay vs Resilience Insurance](https://spot.insure/compare/at-bay-vs-resilience)
- [At-Bay vs RiskCube Insurance](https://spot.insure/compare/at-bay-vs-riskcube)
- [At-Bay vs Risklytics Insurance](https://spot.insure/compare/at-bay-vs-risklytics)
- [At-Bay vs StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance)
- [At-Bay vs TechInsurance](https://spot.insure/compare/at-bay-vs-techinsurance)
- [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers)
- [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi)
- [At-Bay vs Vouch Insurance](https://spot.insure/compare/at-bay-vs-vouch)
- [At-Bay vs WithCoverage Insurance](https://spot.insure/compare/at-bay-vs-withcoverage)
- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford)
- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford)
- [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford)
- [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford)
- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford)
- [Coterie Insurance vs The Hartford](https://spot.insure/compare/coterie-vs-the-hartford)
- [Coverdash vs The Hartford](https://spot.insure/compare/coverdash-vs-the-hartford)
- [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford)
- [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford)
- [Founder Shield vs The Hartford](https://spot.insure/compare/foundershield-vs-the-hartford)
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford)
- [Harper vs The Hartford](https://spot.insure/compare/harper-vs-the-hartford)
- [Heffernan vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford)
- [Hiscox vs The Hartford](https://spot.insure/compare/hiscox-vs-the-hartford)
- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford)
- [Kinro vs The Hartford](https://spot.insure/compare/kinro-vs-the-hartford)
- [Layr vs The Hartford](https://spot.insure/compare/layr-vs-the-hartford)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford)
- [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford)
- [Newfront vs The Hartford](https://spot.insure/compare/newfront-vs-the-hartford)
- [ERGO NEXT Insurance vs The Hartford](https://spot.insure/compare/next-insurance-vs-the-hartford)
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford)
- [Relm vs The Hartford](https://spot.insure/compare/relm-vs-the-hartford)
- [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford)
- [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-vs-the-hartford)
- [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-vs-the-hartford)
- [StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford)
- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford)
- [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers)
- [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi)
- [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch)
- [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage)

## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [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; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [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: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [The Hartford Official Website](https://www.thehartford.com)

14. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16.
15. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16.
16. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16.
17. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
18. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16.
19. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16.
20. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
21. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16.
22. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16.
23. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16.
24. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16.
25. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16.
26. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16.
27. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16.
28. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16.
29. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16.
30. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16.
31. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16.
32. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16.
33. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16.
34. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16.
35. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16.
36. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16.
37. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16.
38. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16.
39. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16.
40. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16.
41. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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