At-Bay vs 
Vouch: How Do They Compare for Professional Liability (E&O) Insurance?
Vouch is a broker for professional-services firms in accounting, architecture, IT and marketing, with an online Get Started flow. At-Bay is not a broker here: it markets its own miscellaneous professional liability, up to $5 million, aimed at licensed insurance professionals.
Vouch lists architecture, engineering and construction firms as E&O buyers; At-Bay offers general MPL for businesses of any revenue size up to $5 million. 7,1
What Are the Key Differences Between At-Bay and Vouch Professional Liability (E&O) Insurance?
Check How Your Industry Is Grouped
Vouch lists accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agencies among its E&O segments. At-Bay describes eligibility by revenue and limit rather than named industry groups. If your work spans design and construction, ask Vouch how each service is treated; ask At-Bay whether your operations meet its appetite. 5 1
Confirm Which Carrier Applies
Vouch’s Corix program names two potential insurers for its proprietary E&O products, but a specific quote may use a different partner. At-Bay’s MPL page does not name the issuing insurer. Ask for the actual carrier on your application before comparing terms. 7 1
Start the Quote
Vouch routes buyers through its broker process and may use Corix’s application; At-Bay accepts submissions through its Broker Platform. Ask which route applies to your business and what documents are required. 6 4
What Should You Confirm in At-Bay and Vouch Professional Liability (E&O) Insurance Quotes?
- Ask Vouch whether Corix or another partner will place the policy and which insurer will issue it. 7
- Ask At-Bay which carrier it proposes and whether your business meets its appetite. 1
- Request actual limits, retentions, exclusions and premiums from both. 5 1
- If your work includes construction and design, confirm which services and contracts are covered. 5
At-Bay vs Vouch Professional Liability (E&O) Insurance Compared
At-Bay vs Vouch: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Vouch Errors & Omissions Insurance |
|---|---|---|
| Who It’s For | At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. 1Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record. | Vouch markets professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. 5Company-reported. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant. |
| How to Apply | At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. 1,4Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed. | Corix's 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 site navigation. |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. 1Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions. | Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. 6Company-reported. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy. |
| Role in This Line | At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. 1,2Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk. | Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. 5,6Company-reported. Vouch's Professional Services page and Corix's cyber/E&O product page. |
