At-Bay vs 
Travelers: How Do They Compare for Cyber Insurance?
Travelers underwrites CyberRisk Tech for technology and life-sciences firms through independent agents; At-Bay writes cyber for businesses with revenue up to $5 billion.
Travelers CyberRisk Tech is built for technology and life-sciences companies and can combine cyber with technology E&O in one policy. At-Bay sells standalone cyber across business types, with published appetite up to $5 billion in revenue. 5,1
What Are the Key Differences Between At-Bay and Travelers Cyber Insurance?
One Combined Form Versus Standalone Cyber
Travelers underwrites CyberRisk Tech for technology and life-sciences companies and lets you select cyber protection, technology E&O, or both inside the same policy. At-Bay does not describe a combined tech-E&O option on its cyber page; it writes primary and excess cyber for businesses up to $5 billion in revenue and $10 million in limits. Choose Travelers if you are in those sectors and want cyber and tech E&O on one form; choose At-Bay if you need standalone cyber with a published revenue ceiling that is not limited to technology or life sciences. 5 1
Monitoring Each Includes With the Policy
Travelers includes Cyber Risk Services at no extra cost for cyber-coverage policyholders: a 24/7 dashboard, continuous threat monitoring, pre-breach consultation and post-breach support. At-Bay includes Stance — vulnerability monitoring, vCISO advisory, tabletop exercises and awareness training — and sells endpoint or email MDR separately. 5 1
How You Start a Quote
CyberRisk Tech is bought through a Travelers independent agent or company representative. At-Bay accepts emailed underwriting submissions or automated Broker Platform quotes for accounts within its lower $100 million revenue and $3 million limit band. 5 1
What Should You Confirm in At-Bay and Travelers Cyber Insurance Quotes?
- Ask Travelers whether cyber and technology E&O share one limit if you buy both, because the reviewed page does not publish those amounts. 5
- Ask At-Bay which quote route applies and whether Stance or an InsurSec tier is in the premium. 1
- Compare the monitoring each binds into the policy against the threats you actually face. 5 1
At-Bay vs Travelers Cyber Insurance Compared
At-Bay vs Travelers: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Travelers CyberRisk Tech |
|---|---|---|
| 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. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. 5Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section. |
| 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. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. 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. 1Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions. | Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. 5Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy. |
| 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. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote. | Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. 5Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section. |
| Risk Services | Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. 1Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change. | Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. 5Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility. Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. 5Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified. |
