What Are the Alternatives to At-Bay Business Insurance?
At-Bay suits technology firms prioritizing cyber and technology E&O with security support; businesses seeking broad small-business packages should compare general commercial carriers.
What Should You Weigh When Choosing an Alternative to At-Bay?
At-Bay separates its disclosed producer, At-Bay Insurance Services LLC, from the carrier: a 2023 announcement named At-Bay Specialty Insurance Company as the issuer for new Cyber and Tech E&O business, but the current miscellaneous professional liability page does not name its issuing insurer. Ask for the named insurer on any At-Bay quote and do the same with an alternative. 2,3,4
At-Bay’s advertised appetite differs by route: its Tech E&O product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits, while its broker-platform route lists lower ceilings of $100 million in revenue and $3 million in limits. Confirm which route and ceiling apply before comparing eligibility with an alternative. 5,6
At-Bay’s Stance security services are tied to an Embedded Security Fee and Endorsement on the policy, and managed detection and response is a separate purchase from its security affiliate. Distinguish these security costs from the insurance premium and any broker charges when comparing quotes. 7
The reviewed product, platform and US terms pages don’t disclose At-Bay’s commission rates or a complete placement-fee schedule. Request an itemized quote and compensation disclosure from At-Bay and any alternative before comparing cost. 5,6,8
At-Bay Alternatives for Cyber Insurance
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
Alliance Risk arranges cyber liability insurance.
Amelia Risk arranges cyber insurance.
Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
6.7/ 10Beazley offers cyber insurance for small and midsized businesses.
BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
7.0/ 10CFC offers cyber insurance, including primary and excess products.
Chubb offers cyber insurance.
Coalition offers cyber insurance.
6.2/ 10Corgi lists cyber insurance among its business insurance offerings.
Coverdash lists cyber insurance in its coverage catalog.
Cowbell offers standalone and excess cyber products through its insurance-agency business.
Embroker lists cyber insurance with a quote route.
Founder Shield lists cyber liability among its core offerings.
Cyber product page; policy terms and limits not established.
Gallagher arranges cyber insurance.
Harper lists cyber insurance and describes approaching insurers for customers.
5.9/ 10Heffernan arranges cyber insurance.
Hiscox offers cyber insurance for small businesses.
6.1/ 10HUB International arranges cyber insurance.
5.5/ 10Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
Kinro lists cyber liability and compares business details with carrier appetite.
Lockton arranges cyber insurance.
5.6/ 10Markel Cyber 360
7.1/ 10Marsh arranges cyber insurance.
Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
Newfront places cyber insurance, negotiates policy wording and provides claims consultation.
Pie provides access to cyber insurance quotes from carrier partners.
Relm lists cyber insurance for placement through brokers.
Resilience markets cyber insurance on a primary or excess basis.
5.0/ 10RiskCube arranges cyber insurance for startups.
Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
5.4/ 10Add-on for select buyers purchasing another business policy; phone quote route.
StartupInsurance.ai arranges cyber insurance for startups.
4.9/ 10TechInsurance arranges cyber insurance for small businesses.
Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
The Hartford offers cyber insurance and data-breach coverage.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
6.1/ 10USI arranges cyber insurance.
Vouch lists cyber liability in its technology-company programs.
WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.
7.0/ 10Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
At-Bay Alternatives for Professional Liability (E&O) Insurance
AIG entity-based Professional Liability / Specialty Professional E&O
Alliance Risk arranges professional liability insurance.
Amelia Risk arranges professional errors and omissions insurance for startups.
Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
6.7/ 10Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
Professional First materials describe a professional-liability portfolio with several professions and service types.
7.0/ 10CFC offers professional liability insurance for professional-service businesses.
Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
6.2/ 10Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
Coterie lists miscellaneous professional liability for eligible small businesses in participating states.
Several separately scoped professional-liability programs; do not generalize terms across professions.
Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
5.8/ 10Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Professional E&O product page.
Gallagher arranges professional errors and omissions insurance for small businesses.
Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
5.9/ 10Heffernan arranges professional errors and omissions insurance for small businesses.
Hiscox offers professional errors and omissions insurance for small businesses.
6.1/ 10HUB International arranges professional errors and omissions insurance.
5.5/ 10Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
Lockton arranges professional errors and omissions insurance.
5.6/ 10Markel ProBiz miscellaneous E&O
7.1/ 10Marsh arranges professional errors and omissions insurance.
Mylo compares professional liability quotes for claims from clients unhappy with professional services.
Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
Newfront lists errors and omissions among its executive-risk coverage services.
Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Relm lists professional errors and omissions insurance for placement through brokers.
StartupInsurance.ai arranges professional errors and omissions insurance for startups.
4.9/ 10TechInsurance arranges professional errors and omissions insurance for small businesses.
Listed as professional liability/E&O for professional-services and government-contractor audiences.
The Hartford offers professional liability insurance for service businesses.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers professional errors and omissions insurance.
6.1/ 10USI arranges professional errors and omissions insurance.
Vouch lists errors and omissions among the core coverages in its professional-services programs.
WithCoverage includes errors and omissions in its technology insurance-program review services.
WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.
7.0/ 10Zurich markets professional errors and omissions insurance.
At-Bay Alternatives for Tech E&O Insurance
AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering.
Alliance Risk arranges technology errors and omissions insurance.
Amelia Risk arranges technology errors and omissions insurance for technology businesses.
Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.
Professional First materials identify Technology E&O as a professional-liability product.
7.0/ 10CFC offers technology errors and omissions for technology businesses.
Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies.
Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
6.2/ 10Corgi lists technology errors and omissions insurance for technology products and services.
Coverdash lists technology errors and omissions in its Professional & Management catalog, separately from professional liability.
Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.
Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses.
Technology/creative class within broader E&O; no separate technology form established.
Gallagher arranges technology errors and omissions insurance for technology businesses.
HUB International arranges technology errors and omissions insurance.
5.5/ 10Markel Cyber 360 technology professional liability component (standalone product not established)
7.1/ 10Marsh arranges technology errors and omissions insurance.
Newfront lists technology errors and omissions among its cyber-risk placement coverages.
Relm lists technology errors and omissions insurance for placement through brokers.
Resilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue.
5.0/ 10RiskCube arranges technology errors and omissions insurance for startups.
Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses.
5.4/ 10StartupInsurance.ai arranges technology errors and omissions insurance for startups.
4.9/ 10TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
The Hartford offers technology errors and omissions coverage through its FailSafe product.
Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies.
6.1/ 10USI arranges technology errors and omissions insurance.
Vouch lists technology errors and omissions among the core coverages in its technology-company programs.
Zurich markets technology errors and omissions insurance.
