How Reliable Is At-Bay?
At-Bay reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
These scores use different criteria and cannot be read against each other.
Broker Spot Score
5.2/ 10This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-21 · Review due 2026-10-21
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 100.0%normalized | 2.1 / 4 | [5][2][4][3] |
Included weights are normalized over the supported factors.
Carrier & MGA Spot Score
7.1/ 10This partial Carrier & MGA Spot Score covers financial resilience, disclosure clarity within the stated scope. It uses 30% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 30% of this rubric’s factor weighting. Excluded: Identity and Authority, Claims and Servicing, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-21 · Review due 2026-10-21
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 15% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Financial Resilience | 20% | 66.7%normalized | 2.9 / 4 | [1][2][4] |
| Claims and Servicing | 20% | — | Excluded | The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. |
| Carrier-Network Strength | 15% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 20% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 10% | 33.3%normalized | 2.8 / 4 | [5][2][4][3] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Hybrid provider. Scope: 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.
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]
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]
Financial Strength
AM Best’s live disclosure identifies At-Bay Specialty Insurance Company (NAIC 19607) with an A- (Excellent) Financial Strength Rating and a- (Excellent) Long-Term Issuer Credit Rating under review with positive implication, effective August 21, 2026; it assigns Financial Size Category VIII (USD 100 million to less than USD 250 million). The disclosure does not provide a full statutory balance sheet, and the rating is for At-Bay Specialty rather than At-Bay Insurance Services LLC.[1]
At-Bay’s 2023 transition announcement historically described an A- rating with stable outlook and its Cyber and Tech E&O move to At-Bay Specialty paper. The current AM Best disclosure supersedes the old stable-outlook description for current status by showing the rating under review; no current public statutory financial statement was located in the cited material.[2][1]
Risk-Bearing Relationships
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]
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]
Evidence gaps
- 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 August 21, 2026 AM Best disclosure is the current rating evidence for that carrier and is not a 2023 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.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 California | Company-reported disclosure[5] | At-Bay page displays P&C and surplus-lines number 0L73812; current authority is not independently established in this record. |
 District of Columbia | Company-reported disclosure[5] | At-Bay page displays P&C and surplus-lines number 3000238110; current authority is not independently established in this record. |
 US/DC | Company-reported disclosure[5] | At-Bay publishes a complete-looking table, but independent record and conduct searches are not established in this record. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| At-Bay Insurance Services LLCCalifornia | State license: 0L73812[5] | P&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 Columbia | State license: 3000238110[5] | P&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 States | NAIC number: 19607[2][1] | E&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 |
Sources
- Best’s Credit Rating Disclosure Report - At-Bay Specialty Insurance Company. AM Best Rating Services; At-Bay Specialty Insurance Company, AMB 021446 / NAIC 19607; A- (Excellent) FSR and a- (Excellent) ICR under review with positive implication, effective August 21, 2026; Financial Size Category VIII. Accessed 2026-09-21.
- At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; Release dated August 9, 2023; paragraphs 93–98; At-Bay Specialty Insurance Company, Cyber and Tech E&O, A- rating statement. Accessed 2026-09-21.
- Claims Handling. At-Bay; Claims team and cyber incident roadmap. Accessed 2026-09-21.
- Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Current product catalogue and policy/coverage qualification. Accessed 2026-09-21.
- Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
