GeneralAverage

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

Technology businesses can assess At-Bay’s combined E&O and cyber; RiskCube advertises AI cover without publishing its form, so buyers cannot yet compare its actual protection. 2,16,20,25

Introduction to the At-Bay vs RiskCube Comparison

An AI company negotiating enterprise indemnities needs to show what its product does and how a failure harms customers: RiskCube advertises AI-related protection but does not publish its form, while At-Bay combines Tech E&O and cyber. 20 25 16 2 Choose At-Bay if you need combined Tech E&O and cyber; choose RiskCube only if it supplies an AI liability form and insurer you can review.

Buyer Takeaways for At-Bay vs RiskCube

At-Bay Buyer Takeaways

  • Combine technology E&O and cyber protection in one policy. 2Company-reported. Product highlights, not an issued policy or universal contract coverage.
  • Eligible policyholders get monitoring, training and cyber-advisor access; managed detection and response costs extra. 7Company-reported. Current service descriptions and footnotes; no claims of effectiveness or independent testing.

RiskCube Buyer Takeaways

  • Compare available quotes from multiple insurers through RiskCube. 14,17,16,18Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
  • Manage policies, certificates and renewal reminders on RiskCube’s platform. 14,17Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

At-Bay vs RiskCube Coverage Lines Compared

CoverageAt-BayRiskCube
CrimeNot listedListed 18RiskCube arranges commercial crime insurance for startups.
Cyber liabilityListed 3At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.Listed 18RiskCube arranges cyber insurance for startups.
Directors and officersNot listedListed 18RiskCube arranges directors and officers liability insurance for startups.
Employment practices liabilityNot listedListed 18RiskCube arranges employment practices liability insurance for startups.
Fiduciary liabilityNot listedListed 18RiskCube arranges fiduciary liability insurance for startups.
General liabilityNot listedListed 18RiskCube arranges general liability insurance for startups.
Generative AI liabilityNot listedListed 18RiskCube markets AI insurance for startups building AI products.
Key personNot listedListed 22RiskCube markets key person life insurance placement for startups.
Professional errors and omissions (E&O)Listed 4At-Bay offers primary miscellaneous professional liability insurance.Not listed
Technology errors and omissions (E&O)Listed 2At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.Listed 20RiskCube arranges technology errors and omissions insurance for startups.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

At-Bay vs RiskCube Research by Coverage Line

Open what At-Bay and RiskCube each document for one coverage line.

Current Spot Scores for At-Bay and RiskCube

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

At-Bay and RiskCube Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

At-Bay Review Score

9.5/ 10

Review Score

2 rated sources

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.[3][6][9]

Read At-Bay reviews

RiskCube Review Score

-/ 10

Review Score

No reviews found

RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]

Read RiskCube reviews

Key Differences Between At-Bay and RiskCube

AI Gap Language Needs a Form and Attachment Point

RiskCube’s AI descriptions include excess protection intended to address gaps, but the reviewed public documentation does not establish the operative form or insurer. Ask what underlying policy is required, what event triggers the AI coverage, and whether the alleged gap is expressly covered. Treat this as a placement question rather than an established solution for every AI seller. 25 18

Older Appetite Evidence Cannot Decide Current 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.

For At-Bay, obtain a current written answer about autonomous functions, model development and the services being sold. For RiskCube, request the same activity-specific answer from the proposed insurer. This makes the comparison about accepted operations rather than one provider’s older document versus another’s current marketing. 17 25

Platform Access Is Not Binding Authority for the Buyer

RiskCube’s inspected entry flow established a contact route, while its terms impose binding conditions. At-Bay documents broker quoting and signatures. Allocate time for underwriting even when the initial interface appears simple. RiskCube’s fee-free language also needs to be read alongside disclosures permitting fees and commissions. 24 17 16 6

What Should You Confirm in At-Bay and RiskCube Quotes?

Request the AI and technology forms, exclusions for contractual and intellectual-property liabilities, underlying-insurance requirements, issuing entities and California route. Ask for the total payable cost and a written explanation of which customer loss scenarios each proposed policy addresses. 15 5

At-Bay vs RiskCube Services Compared

What each provider documents about the services you may need

CriteriaAt-BayRiskCube
Business role

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.

RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. 17,16Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Application process

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.

RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 14,24Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. 20Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

A quote is not coverage: RiskCube requires written confirmation from an insurer or authorized representative and satisfaction of binding conditions. 17Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Access to insurers

Do not assume a past carrier announcement identifies today’s insurer: At-Bay’s 2023 announcement said eligible new E&S Cyber and Tech E&O would use At-Bay Specialty Insurance Company, but it does not settle a current California quote or MPL issuer. 11Company-reported. Historical announcement effective August 7, 2023; no buyer-specific policy reviewed.

Ask who will issue your MPL policy: the current product page names no insurer, and a 2023 announcement naming United Specialty Company does not establish the present carrier or California availability. 4,13Not found in reviewed sources. Current issuer not established; preserve source spelling without converting historical brand wording into a verified legal-entity record.

RiskCube says it compares multiple insurers, but does not identify the carrier for a specific California applicant; ask for the insurer and surplus-lines status. 14,17,16,18Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Fees and compensation

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.

Get the total price and compensation in writing: RiskCube advertises no added broker fee but also allows service and processing fees, insurer/intermediary commissions and incentives. 14,19,16Conflicting sources. Marketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established.

Sources for At-Bay vs RiskCube

At-Bay Official Website

  1. Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
  2. Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
  3. Cyber Insurance. At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
  4. MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
  5. Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
  6. Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
  7. At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
  8. Claims Handling. At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
  9. Response & Recovery. At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
  10. Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
  11. At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
  12. At-Bay Surplus Tech E&O Appetite Guide. At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
  13. At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

RiskCube Official Website

  1. Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
  2. Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
  3. Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
  4. Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
  5. Startup Insurance Coverage. RiskCube; All coverage types: product sales cards and Learn more routes; footer producer-role disclosure. Accessed 2026-09-16.
  6. Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
  7. Technology Errors and Omissions (E&O) Insurance. RiskCube; Technology E&O product and quote introduction; application FAQ; AI & enterprise risk FAQ on adding an excess policy for AI-related gaps. Accessed 2026-09-16.
  8. Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
  9. Key Person Life Insurance for Startups. RiskCube; Key Person Life Insurance product introduction; quote-comparison invitation; timing FAQ; closing placement invitation. Accessed 2026-09-16.
  10. Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
  11. Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
  12. Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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