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Is At-Bay Legit? Licensing, Carriers and Reliability

At-Bay has a Broker Reliability Score of 5.2/10, a partial score covering only the factors we could confirm. At-Bay has a Carrier & MGA Reliability Score of 7.1/10, a partial score covering only the factors we could confirm. Reliability Scores rate what we could confirm about a provider’s reliability; they do not predict claims payment.

At-Bay Reliability Scores for 2026

At-Bay Broker Reliability Score

5.2/ 10

This partial Broker Reliability Score covers disclosure clarity within the scope described on this page. Those factors make up 15% of the full score, normalized to a ten-point scale. The factors left out remain unknown, and evidence for one program does not describe another.

Scored provider: At-Bay. Covers: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.

Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct

Scored 2026-09-23 · Review due 2026-10-23

How the score is calculated

FactorWeightIncludedScoreBasis
Identity and Authority30%—ExcludedCurrent authority and applicable appointments or delegations have not been independently established across the scope of this score.
Carrier-Network Strength30%—ExcludedThe reviewed evidence does not name the carrier and capacity arrangements behind the programs this score covers, so the relationships cannot be assessed.
Regulatory Conduct25%—ExcludedA complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.
Disclosure Clarity15%100.0%normalized2.1/ 4[5][2][4][3]

Included weights are normalized over the supported factors.

At-Bay Carrier & MGA Reliability Score

7.1/ 10

This partial Carrier & MGA Reliability Score covers financial resilience, disclosure clarity within the scope described on this page. Those factors make up 30% of the full score, normalized to a ten-point scale. The factors left out remain unknown, and evidence for one program does not describe another.

Scored provider: At-Bay. Covers: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.

Partial score — 30% of this rubric’s factor weighting. Excluded: Identity and Authority, Claims and Servicing, Carrier-Network Strength, Regulatory Conduct

Scored 2026-09-23 · Review due 2026-10-23

How the score is calculated

FactorWeightIncludedScoreBasis
Identity and Authority15%—ExcludedCurrent authority and applicable appointments or delegations have not been independently established across the scope of this score.
Financial Resilience20%66.7%normalized2.9/ 4[1][2][4]
Claims and Servicing20%—ExcludedThe evidence does not sufficiently establish responsibility, access and escalation across the services this score covers.
Carrier-Network Strength15%—ExcludedThe reviewed evidence does not name the carrier and capacity arrangements behind the programs this score covers, so the relationships cannot be assessed.
Regulatory Conduct20%—ExcludedA complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.
Disclosure Clarity10%33.3%normalized2.8/ 4[5][2][4][3]

Included weights are normalized over the supported factors.

What Our Research Found About At-Bay

Role: Hybrid provider. Covers: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.

At-Bay Legal Identity

At-Bay’s license page identifies At-Bay Insurance Services LLC as the producer, while At-Bay’s carrier-transition announcement identifies At-Bay Specialty Insurance Company as a separate Delaware-based E&S carrier. At-Bay Security, LLC is described as a separate security-services affiliate.5,2,4

At-Bay Licensing

At-Bay publishes P&C and surplus-lines producer identifiers for every state and the District of Columbia, including California 0L73812 and D.C. 3000238110. The displayed list is company evidence; current regulator records, exact lines and appointments were not independently established in this record.5

At-Bay Financial Strength

AM Best's disclosure report for At-Bay Specialty Insurance Company (AMB 021446, NAIC 19607), captured on 23 September 2026, shows a Financial Strength Rating of A- u (Excellent) and a Long-Term Issuer Credit Rating of a- u (Excellent). Both are Under Review — Positive implications, an action effective 21 August 2026, and the company is in Financial Size Category VIII (USD 100–250 million). The report gives no statutory balance sheet, and the rating belongs to At-Bay Specialty Insurance Company, not At-Bay Insurance Services LLC.1

At-Bay's 2023 transition announcement described an A- rating with a stable outlook when its Cyber and Tech E&O business moved to At-Bay Specialty paper. AM Best's record captured on 23 September 2026 shows the ratings Under Review — Positive implications, effective 21 August 2026. No current public statutory financial statement was located in the cited material.2,1

At-Bay Risk-Bearing Relationships

At-Bay states that Cyber and Tech E&O policies began issuing on At-Bay Specialty Insurance Company paper effective August 7, 2023. The published pages do not map every current At-Bay product, state or account to that carrier, and do not disclose reinsurance terms.2,4

At-Bay Claims and Service

At-Bay publishes a claims-handling page with an incident roadmap and claims-team information, and separately markets Stance security services. Those service descriptions do not independently establish claim outcomes or mean that a security affiliate is the policy issuer or claims decision-maker.3,4

At-Bay Regulatory Record

The cited public record includes a company-published multi-state license table, but not an independent 50-state-and-DC status or conduct search for either the agency or carrier. the record does not establish a completed five-year conduct result.5

What We Couldn’t Confirm About At-Bay

  • Current independent regulator confirmation of producer and E&S carrier authority is not established in this record.
  • No current public statutory financial statement for At-Bay Specialty Insurance Company was located. The AM Best record captured on 23 September 2026 is the current rating evidence for that carrier; it is a rating opinion under review, not a financial statement.
  • Product/state issuer mapping beyond the announced Cyber and Tech E&O transition is not public in the cited material.
  • Reinsurance, claims administrator responsibilities and carrier-specific conduct records remain unresolved.

Regulator Searches for At-Bay

JurisdictionResultNotes
CaliforniaCompany-reported disclosure5At-Bay page displays P&C and surplus-lines number 0L73812; current authority is not independently established in this record.
District of ColumbiaCompany-reported disclosure5At-Bay page displays P&C and surplus-lines number 3000238110; current authority is not independently established in this record.
US/DCCompany-reported disclosure5At-Bay publishes a complete-looking table, but independent record and conduct searches are not established in this record.

At-Bay Licenses and Authority Records

These are reviewed authority records for the named legal entities and what they cover. A license record does not establish that a particular policy is available, bound, or suitable.

Entity and jurisdictionIdentifierLicense class and authority
At-Bay Insurance Services LLCCaliforniaState license: 0L738125P&C and surplus-lines producer entries as displayed by company; Company-published entry; current CDI record not independently established in this record
At-Bay Insurance Services LLCDistrict of ColumbiaState license: 30002381105P&C and surplus-lines producer entries as displayed by company; Company-published entry; current regulator record not independently established in this record
At-Bay Specialty Insurance CompanyUnited StatesNAIC number: 196072,1E&S carrier identifier; Delaware domicile stated by company; AM Best identifies the company as NAIC 19607; The published materials do not provide a state-by-state certificate or eligibility list, so E&S authority remains transaction-specific and unverified here

Which Coverage Lines Does At-Bay Offer?

Product pages for the coverage lines At-Bay lists.

Comparisons and Insurance Terms Related to At-Bay

Updated 2026-09-25. Spot and Tools for Enlightenment publish this editorial research, and Spot takes part in the commercial-insurance market; it is not a guarantee of provider performance, policy coverage, or claims outcomes. See the editorial policy or contact Spot with a correction and supporting source.

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