At-Bay vs Vouch Professional Liability (E&O) Insurance

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. ^3,4Company-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. ^11,12Company-reported. Vouch's Professional Services page and Corix's cyber/E&O product page.

The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. ^3,5Not found in reviewed sources. Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper.

Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. ¹³Company-reported. Corix disclosures page.

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. ³Company-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. ¹¹Company-reported. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant.

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. ³Company-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. ¹²Company-reported. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy.

At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. ³Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.

Neither the Vouch nor Corix pages publish E&O policy limits or retentions. ^11,12Not publicly disclosed. Pages checked on 2026-09-23.

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. ^3,6Company-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. ^12,11Company-reported. Corix product page and Vouch site navigation.