---
title: "How Reliable Is At-Bay?"
description: "At-Bay reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/at-bay/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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[Human-readable page](https://spot.insure/insurance-providers/at-bay/reliability)

# How Reliable Is At-Bay?

At-Bay reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Hybrid role

- **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.

This 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.

- **Broker Spot Score:** **5.2/10**
- **Role:** Hybrid role
- **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.
- **Assessed:** 2026-09-21
- **Review due:** 2026-10-21
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

This 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.

- **Carrier & MGA Spot Score:** **7.1/10**
- **Role:** Hybrid role
- **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.
- **Assessed:** 2026-09-21
- **Review due:** 2026-10-21
- **Factor basis:** Partial score; **30%** of this role’s weighting included. Included: Financial Resilience, Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [At-Bay](/insurance-providers/at-bay)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| At-Bay Insurance Services LLC | Insurance producer and surplus-lines broker named on current license page | [Licenses](https://www.at-bay.com/licenses/) |
| At-Bay Specialty Insurance Company | Delaware E&S carrier identified by At-Bay as issuing Cyber and Tech E&O policies on its own paper | [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/) |
| At-Bay Security, LLC | Separate security affiliate offering Stance services, not identified as an insurer | [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/) |

## Research summary

At-Bay publishes a current producer-license table for At-Bay Insurance Services LLC and separately announced that At-Bay Specialty Insurance Company began issuing Cyber and Tech E&O policies on its own E&S paper in August 2023. The public materials support a distinct agency-and-carrier structure, but they do not establish every current product/state issuer or provide a current carrier financial statement set. [Licenses](https://www.at-bay.com/licenses/), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Licenses](https://www.at-bay.com/licenses/), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Licenses](https://www.at-bay.com/licenses/)

### 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. [Best’s Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446&PCA=0)

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. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Best’s Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446&PCA=0)

### 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. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Claims Handling](https://www.at-bay.com/claims/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Licenses](https://www.at-bay.com/licenses/)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| At-Bay Insurance Services LLC | CA | State license | 0L73812 | P&C and surplus-lines producer entries as displayed by company | Company-published entry; current CDI record not independently established in this record | Company-reported | 2026-09-21 | [Licenses](https://www.at-bay.com/licenses/) |
| At-Bay Insurance Services LLC | DC | State license | 3000238110 | P&C and surplus-lines producer entries as displayed by company | Company-published entry; current regulator record not independently established in this record | Company-reported | 2026-09-21 | [Licenses](https://www.at-bay.com/licenses/) |
| At-Bay Specialty Insurance Company | US | NAIC company code | 19607 | 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 | Company-reported | 2026-09-21 | [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Best’s Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446&PCA=0) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Company-reported | At-Bay page displays P&C and surplus-lines number 0L73812; current authority is not independently established in this record. | [Licenses](https://www.at-bay.com/licenses/) |
| DC | Company-reported | At-Bay page displays P&C and surplus-lines number 3000238110; current authority is not independently established in this record. | [Licenses](https://www.at-bay.com/licenses/) |
| US/DC | Company-reported | At-Bay publishes a complete-looking table, but independent record and conduct searches are not established in this record. | [Licenses](https://www.at-bay.com/licenses/) |

## Rating dimensions

### Broker Spot Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Licenses](https://www.at-bay.com/licenses/), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licenses](https://www.at-bay.com/licenses/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 2.07 | 15% | 5.17 | [Licenses](https://www.at-bay.com/licenses/), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/), [Claims Handling](https://www.at-bay.com/claims/) |

### Carrier & MGA Spot Score

Included weighting: **30%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Licenses](https://www.at-bay.com/licenses/), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Claims and Servicing:** The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/), [Claims Handling](https://www.at-bay.com/claims/)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licenses](https://www.at-bay.com/licenses/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Financial Resilience | 2.87 | 20% | 4.78 | [Best’s Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446&PCA=0), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/) |
| Disclosure Clarity | 2.76 | 10% | 2.30 | [Licenses](https://www.at-bay.com/licenses/), [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/), [Claims Handling](https://www.at-bay.com/claims/) |

## 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.

## Related terms

- [What Is a Full-Stack Insurance Provider?](/insurance-glossary/full-stack-insurance-provider)
- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Best’s Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446&PCA=0) — 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](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-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](https://www.at-bay.com/claims/) — At-Bay; Claims team and cyber incident roadmap; accessed 2026-09-21.
- [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/) — At-Bay; Current product catalogue and policy/coverage qualification; accessed 2026-09-21.
- [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers; accessed 2026-09-21.

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