At-Bay vs 
Vouch: How Do They Compare for Cyber Insurance?
At-Bay offers cyber up to $10 million, with security tiers and an in-house claims team; Vouch is a broker for AI, SaaS and fintech companies with an online application.
Vouch places cyber for technology companies across AI, SaaS and fintech through program partners. At-Bay sells a feature-based standalone product with Stance included and published appetite up to $5 billion in revenue. 5,1
What Are the Key Differences Between At-Bay and Vouch Cyber Insurance?
Sector Focus Versus Published Appetite
Vouch markets cyber liability to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, and names Corix among its program partners for the line. At-Bay describes coverage by features and limit ceilings rather than by technology sector, and says it writes primary and excess cyber for revenue up to $5 billion and limits up to $10 million. Choose Vouch if you are a technology company that wants a broker matching you into a tech-focused program; choose At-Bay if you want a named cyber product with published limit ceilings that is not limited to those sectors. 5 1
What Each Says the Policy Pays For
Corix, Vouch's named cyber partner, describes incident response, forensics, legal defense, regulatory fines, notification, business interruption and reputational-harm coverage as typical. At-Bay lists direct and contingent business interruption, social engineering and invoice manipulation for all classes, full limits for cryptojacking and bricking, and cyber extortion including cryptocurrency payment. 6 1
Services and How You Apply
Vouch says it benchmarks a technology client's cyber exposures against customer and investor security demands and routes buyers through its online Get Started flow. At-Bay includes Stance on every policy and takes submissions by email or through its Broker Platform for accounts inside the automated band. 5 1
What Should You Confirm in At-Bay and Vouch Cyber Insurance Quotes?
- Ask Vouch which partner and issuing insurer would sit on your current policy, because partner disclosures can name more than one carrier. 7
- Ask At-Bay which carrier applies to the quote and whether Stance or an InsurSec tier is in the premium. 1
- Get limits, sublimits and retentions from both; neither public cyber page publishes a standard deductible. 6 1
At-Bay vs Vouch Cyber Insurance Compared
At-Bay vs Vouch: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Vouch Cyber Liability Insurance |
|---|---|---|
| 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. | Corix's cyber and E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. 6,5Company-reported. Corix product page and Vouch homepage navigation. |
| 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. | Corix describes its cyber coverage as typically including incident response, forensic investigations, legal defense, regulatory fines and notification costs, plus business interruption and reputational-harm coverage. 6Company-reported. Corix's cyber and errors & omissions product page; the description is general, and the buyer's actual policy form and exclusions govern the placement. |
| 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. | Vouch is a broker, not an insurer, for cyber liability. It lists Cyber Liability among the core coverages it places for technology clients, and one of its named program partners for cyber is Corix, an insurance program administrator. 5,6Company-reported. Vouch's Technology practice page and Corix's cyber product page. |
| 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. | Vouch says it benchmarks a technology client's cyber exposures and aligns coverage with enterprise security demands from customers and investors, citing that only about 25% of companies under $250 million in revenue carry cyber insurance. 5Company-reported. Vouch's Technology practice page; benchmarking methodology and the cited statistic are company-reported. |
