At-Bay vs CFC: How Do They Compare for Business Insurance?

At-Bay offers cyber, technology E&O and miscellaneous professional liability, with coverage described as underwritten by non-admitted insurers. At-Bay Insurance Services LLC is its disclosed property-and-casualty agency and surplus-lines broker. ^1,5Company-reportedUS brand and disclosed producer; company statements, not regulatory verification.

CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. ^18,17Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Large technology companies may fit At-Bay’s published Tech E&O appetite, but the quote route matters: its product page lists up to $5 billion revenue and $10 million limits, while its broker platform lists $100 million and $3 million. These are ceilings, not guaranteed offers. ²Company-reportedCurrent product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.

A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. ^12,2Company-reportedLegacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. ¹⁴Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

California buyers should still confirm their product’s eligibility: At-Bay lists license 0L73812 for At-Bay Insurance Services LLC, but this company disclosure was not independently checked and does not establish a specific policy is available. ⁵Company-reportedCalifornia producer route; no regulator record retrieved.

Get written California eligibility for your exact business and product before planning around a quote; reviewed product pages do not establish a current California issuer, and MPL has state restrictions. ^5,2,3,4Not found in reviewed sourcesReviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.

California buyers should confirm product eligibility and current license authority before applying: CFC reports all-state producer licenses and surplus-lines authorization in four states, including California. It identifies CFC General Insurance Agency, Inc. as its California licensing name; this disclosure was not independently checked. ¹⁷Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

California-domiciled businesses should look elsewhere for the described management-liability product, and standalone EPL is also listed as declined. This restriction applies to the January 2026 brochure’s offering, not every CFC product. ²⁴Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Ask CFC for a current California eligibility answer before spending time on a technology application; reviewed pages do not establish the route for a particular startup. A 2023 admitted Tech E&O announcement does not supply a current product schedule. ^14,15,16,42Not found in reviewed sourcesCalifornia technology-product access only. General producer authorization is separate from product eligibility. No live quote or state filing was obtained.

An online quote is not bound coverage; At-Bay’s broker process still requires application review, chosen limits and retentions, documents, effective date, contingencies and signatures before binding. ^6,4Company-reportedPublic broker workflow; no application submitted and no speed guarantee inferred.

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. ^16,19Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.