At-Bay vs Counterpart: 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.

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. ¹⁶Company-reportedProvider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

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.

Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. This stated focus does not establish independent eligibility or appetite. ^14,15Company-reportedCurrent company marketing for U.S. audiences.

Technology companies can compare one Tech E&O product for professional and cyber exposures, including coding errors, failed implementations and customer contractual indemnity; service-credit damages remain subject to policy terms. ²Company-reportedProduct highlights, not an issued policy or universal contract coverage.

At-Bay’s cyber policy may address business interruption, system failure, extortion, privacy liability and financial fraud such as social engineering or invoice manipulation; your quote and policy set the actual limits and conditions. ³Company-reportedCurrent cyber product offering; components are not separate catalogue products.

Businesses needing miscellaneous professional liability can ask At-Bay about primary coverage with limits up to $5 million and a tailored definition of professional services; state restrictions apply, and the product is claims-made-and-reported with a duty to defend. ⁴Company-reportedCurrent MPL page; eligibility and policy wording remain underwriting-specific.

If you need limits above primary Cyber or Tech E&O, At-Bay lists excess options for those lines; this does not establish a general commercial umbrella policy. ^3,2Company-reportedShared umbrella-excess key used only for explicitly marketed excess products.

Counterpart’s current product pages list private-company and not-for-profit D&O, employment-practices, fiduciary, crime, professional/general liability, allied healthcare, architects/engineers/contractors and lawyers liability. Several lines appear only as a component or product-specific feature; availability, eligibility and terms depend on the actual program and policy. ^{14,22,23,24,25,26,27,28,29,30}Company-reportedCurrent site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.

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 February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. ^19,14,18Conflicting sourcesOlder dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. ²⁰Company-reportedCompany-described broker workflow in a July 2025 article; not independently tested.

Eligible policies may include Stance monitoring, fraud defense, employee training and cyber-advisor access, but the Embedded Security Fee and endorsement apply; MDR is a separate purchase from At-Bay Security, LLC. ⁷Company-reportedCurrent service descriptions and footnotes; no claims of effectiveness or independent testing.

You can buy optional MDR for endpoint and email protection, or MXDR for endpoint, email, identity and cloud; At-Bay says these can be bought beyond policyholders too. Confirm service eligibility and any conditional coverage enhancements or premium credits. ⁷Company-reportedSecurity services, not additional insurance coverage lines; comparable approved solutions may also qualify.

Avoid an unwanted automatic renewal by confirming your dashboard route and deadlines: At-Bay describes rapid and manual renewals, and says rapid renewals bind automatically 15 days before expiry. ⁶Company-reportedCompany-described workflow; no promise of unchanged renewal price or terms.

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. ²¹Company-reportedCompany-described professional-liability broker service.

Add security charges separately when comparing total cost: Stance has an Embedded Security Fee and endorsement, while MDR is purchased separately from premium and broker charges. ⁷Company-reportedDoes not describe included security as free or quote an unverified fee amount.

Ask for the full price and compensation disclosure because reviewed At-Bay pages do not publish commission rates, broker arrangements or complete placement fees; this gap does not mean those charges are absent. ^2,6,10Not publicly disclosedScoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.

Counterpart’s license disclosure says its subsidiary may receive compensation from an insurer or intermediary and that commissions or fees are set by the underwriting insurer. The reviewed disclosure does not state the amount applicable to a particular buyer or quote. ¹⁶Company-reportedProvider-published disclosure, no buyer-specific amount.