---
title: "At-Bay vs Travelers Cyber Insurance"
description: "Travelers underwrites CyberRisk Tech for technology and life-sciences companies; At-Bay places cyber through its producer with a published revenue and limit appetite."
canonical: "https://spot.insure/compare/at-bay-vs-travelers/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# At-Bay vs Travelers Cyber Insurance

Travelers underwrites CyberRisk Tech for technology and life-sciences companies; At-Bay places cyber through its producer with a published revenue and limit appetite.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Travelers for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Travelers underwrites CyberRisk Tech for technology and life-sciences companies, with optional technology E&O in the same policy. At-Bay places cyber through At-Bay Insurance Services LLC and says it writes primary and excess cyber for businesses with revenue up to $5 billion and limits up to $10 million. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [7](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [9](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Who the Product Is For

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.

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. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Product page "What does cyber insurance coverage for technology companies include?" section..)

At-Bay places cyber through At-Bay Insurance Services LLC and says it writes primary and excess cyber for businesses with revenue up to $5 billion and limits up to $10 million, without limiting the published appetite to technology and life sciences. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### Security Services Each Lists

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, and says organizations that engaged with the dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with those that did not. Every At-Bay cyber policy includes access to At-Bay Stance for vulnerability monitoring, vCISO advisory and tabletop exercises, with security monitoring described in optional InsurSec tiers. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### How You Buy

CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. You apply for At-Bay cyber by emailing a submission to a published email address or by requesting an automated quote through At-Bay's Broker Platform. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What to Confirm in Cyber Insurance Quotes

- Ask Travelers for limits and retentions on CyberRisk Tech; the reviewed page does not publish them. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")
- Ask At-Bay whether the quote is E&S paper on At-Bay Specialty Insurance Company. [5](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")
- Ask Travelers whether the quote includes technology E&O, cyber, or both. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")
- Ask At-Bay which Stance and InsurSec features apply at the quoted premium. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## Offering Details

| Criteria | At-Bay Cyber Insurance | Travelers CyberRisk Tech |
| --- | --- | --- |
| 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. [4](https://www.at-bay.com/licenses/ "Licenses") [5](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, 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. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Product page "What does cyber insurance coverage for technology companies include?" section..) |
| Issuing Insurer | The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [5](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: Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Product page introduction..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | At-Bay says it writes primary and excess cyber 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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..)<br><br>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. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified..) |
| 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. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [10](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section..) |
| Claims Support | At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. [6](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Company-reported; scope: Claims-handling page process description; does not establish claim outcomes or payment speed..) | Not described in the reviewed sources. |

## Full Comparison

- [At-Bay vs Travelers](https://spot.insure/compare/at-bay-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [At-Bay vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-travelers/professional-errors-omissions)
- [At-Bay vs Travelers Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-travelers/technology-errors-omissions)
- [Alliance Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber)
- [Alliance Risk vs Travelers Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/cyber)
- [Amelia Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/cyber)
- [Amelia Risk vs Travelers Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/cyber)
- [At-Bay vs Beazley Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay vs CFC Cyber Insurance](https://spot.insure/compare/at-bay-vs-cfc/cyber)

## Sources

### At-Bay

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. [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.
3. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
4. [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.
5. [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.
6. [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.

### Travelers

7. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
8. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
9. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
10. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; What does cyber insurance coverage for technology companies include?; How does CyberRisk tech coverage mitigate cyber risk?; How can technology companies identify cyber risks earlier?; How do Cyber Risk Services support technology and life sciences policyholders?. Accessed 2026-09-23.

### Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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-travelers/cyber.md)
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