---
title: "At-Bay vs USI Insurance Services: Cyber Insurance"
description: "USI brokers cyber and layers PrivaSafe, a manuscripted form that can add notification costs outside the policy aggregate. At-Bay sells a named cyber product with published primary and excess appetite up to $10 million in limits."
canonical: "https://spot.insure/compare/at-bay-vs-usi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-usi"
provider-a: "at-bay"
provider-b: "usi"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of At-Bay and USI Insurance Services for Cyber 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 Cyber Insurance questions about At-Bay versus USI Insurance Services. 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 USI Insurance Services for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or USI Insurance Services?
- What does At-Bay or USI Insurance Services publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and USI Insurance Services.
- 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 USI Insurance Services](https://spot.insure/compare/at-bay-vs-usi) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# At-Bay vs USI Insurance Services: How Do They Compare for Cyber Insurance?

USI Insurance Services is a broker offering PrivaSafe, a cyber and privacy liability program for middle-market firms; At-Bay offers primary and excess cyber up to $10 million with security tiers.

USI brokers a manuscripted PrivaSafe form that can add notification costs outside the aggregate; At-Bay sells a named cyber product with published appetite up to $10 million in limits.

## At-Bay vs USI Insurance Services Cyber Insurance Summary

USI brokers cyber and layers PrivaSafe, a manuscripted form that can add notification costs outside the policy aggregate. At-Bay sells a named cyber product with published primary and excess appetite up to $10 million in limits. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What Are the Key Differences Between At-Bay and USI Insurance Services Cyber Insurance?

### Brokered Manuscript Versus a Named Product

USI places cyber as a broker and layers PrivaSafe, a custom-drafted form it negotiates with the market rather than issuing itself. At-Bay sells its own named cyber product through its producer, with automated broker quotes for smaller accounts and emailed submissions for larger ones. Choose USI if you want a broker to manuscript terms around your existing program; choose At-Bay if you want a published product with stated revenue and limit ceilings. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### How Each Describes Limits

USI's published figures sit in carve-outs around the main aggregate rather than one appetite number:

USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations..)

At-Bay instead publishes a single pair of ceilings: revenue up to $5 billion and limits up to $10 million for primary and excess cyber, without a separate notification allowance outside that number. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### Who They Target and What Services Attach

USI markets PrivaSafe to middle-market firms it says often lack in-house security expertise, and it includes pre-breach and post-breach services on that program. At-Bay's published appetite runs to $5 billion in revenue, and every policy includes Stance for vulnerability monitoring, vCISO advisory and tabletops. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## What Should You Confirm in At-Bay and USI Insurance Services Cyber Insurance Quotes?

- Ask USI which insurer would issue PrivaSafe or another cyber form, because the pages do not name one. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Ask USI for the notification and defense amounts that sit outside the aggregate on your quote. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Ask At-Bay whether the quoted limit is primary or excess and which InsurSec package, if any, is included. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Compare the pre-breach services USI describes with Stance so you know what you actually get before an incident. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## At-Bay vs USI Insurance Services Cyber Insurance Compared

| Criteria | At-Bay Cyber Insurance | USI PrivaSafe Cyber and Privacy Liability Program |
| --- | --- | --- |
| 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. [1](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..) | USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations..) |
| 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. [1](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..) | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description..) |
| 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. [1](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. [1](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..) | USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form..) |
| 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](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, not confirmed for every current cyber quote..) | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages..) |
| 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. [1](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..) | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. [5](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Program page and property-casualty practice team description..) |

## About At-Bay and USI Insurance Services and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs USI Insurance Services Cyber Insurance

- [At-Bay vs USI Insurance Services](https://spot.insure/compare/at-bay-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [USI Insurance Services Cyber Insurance](https://spot.insure/insurance-providers/usi/cyber)

## Sources for At-Bay vs USI Insurance Services Cyber Insurance

### Sources About At-Bay

1. [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.
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 USI Insurance Services

5. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy.... Accessed 2026-09-23.
6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe.... Accessed 2026-09-23.
7. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. 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.

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