At-Bay vs Gallagher: 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-reported. US brand and disclosed producer; company statements, not regulatory verification.

Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. ^15,16Company-reported. US commercial brokerage and technology practice; company descriptions, not an underwriting designation.

Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. ¹⁴Company-reported. Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.

Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. ^18,14Company-reported. Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.

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-reported. Current 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-reported. Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.

Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. ^15,20Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.

Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. ^15,20,21Not publicly disclosed. Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.

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-reported. Public broker workflow; no application submitted and no speed guarantee inferred.

You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^21,22Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested.

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-reported. Does 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 disclosed. Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.

Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. ¹⁷Company-reported. US compensation disclosure; no fee-free or uniform commission assumption.