--- title: "At-Bay vs StartupInsurance.ai" description: "At-Bay's Stance security fee and optional monitoring are separate purchases; StartupInsurance.ai reviews policies and customer contracts." canonical: "https://thegeneralaverage.com/compare/at-bay-vs-startupinsurance" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "at-bay-vs-startupinsurance" provider-a: "at-bay" provider-b: "startupinsurance" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/at-bay-vs-startupinsurance) ## Agent Guide **What this page is:** Side-by-side comparison of At-Bay and StartupInsurance.ai as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how At-Bay and StartupInsurance.ai differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do At-Bay and StartupInsurance.ai compare? - Which is better for business insurance, At-Bay or StartupInsurance.ai? - Does At-Bay or StartupInsurance.ai offer the coverage lines I need? - What service and claims differences are documented between At-Bay and StartupInsurance.ai? **Key facts:** - Providers compared: At-Bay and StartupInsurance.ai. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 6 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [At-Bay profile](https://thegeneralaverage.com/insurance-providers/at-bay) — provider profile (evidence for this comparison) - [StartupInsurance.ai profile](https://thegeneralaverage.com/insurance-providers/startupinsurance) — provider profile (evidence for this comparison) - [At-Bay Cyber Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/cyber) — one provider's documented offering for a shared coverage line - [StartupInsurance.ai Cyber Insurance](https://thegeneralaverage.com/insurance-providers/startupinsurance/cyber) — one provider's documented offering for a shared coverage line - [At-Bay Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [StartupInsurance.ai Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/startupinsurance/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [At-Bay Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [StartupInsurance.ai Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/startupinsurance/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [AIG vs At-Bay](https://thegeneralaverage.com/compare/aig-vs-at-bay) — sibling comparison - [AIG vs StartupInsurance.ai](https://thegeneralaverage.com/compare/aig-vs-startupinsurance) — sibling comparison - [Alliance Risk vs At-Bay](https://thegeneralaverage.com/compare/alliance-risk-vs-at-bay) — sibling comparison - [Alliance Risk vs StartupInsurance.ai](https://thegeneralaverage.com/compare/alliance-risk-vs-startupinsurance) — sibling comparison - [Amelia Risk vs At-Bay](https://thegeneralaverage.com/compare/amelia-risk-vs-at-bay) — sibling comparison - [Amelia Risk vs StartupInsurance.ai](https://thegeneralaverage.com/compare/amelia-risk-vs-startupinsurance) — sibling comparison - [Aon vs At-Bay](https://thegeneralaverage.com/compare/aon-vs-at-bay) — sibling comparison - [Aon vs StartupInsurance.ai](https://thegeneralaverage.com/compare/aon-vs-startupinsurance) — sibling comparison - [Armilla vs At-Bay](https://thegeneralaverage.com/compare/armilla-vs-at-bay) — sibling comparison - [Armilla vs StartupInsurance.ai](https://thegeneralaverage.com/compare/armilla-vs-startupinsurance) — sibling comparison - [At-Bay vs The Baldwin Group](https://thegeneralaverage.com/compare/at-bay-vs-baldwin) — sibling comparison - [At-Bay vs Beazley](https://thegeneralaverage.com/compare/at-bay-vs-beazley) — sibling comparison - [At-Bay vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [At-Bay vs biBerk](https://thegeneralaverage.com/compare/at-bay-vs-biberk) — sibling comparison - [At-Bay vs CFC](https://thegeneralaverage.com/compare/at-bay-vs-cfc) — sibling comparison - [At-Bay vs Chubb](https://thegeneralaverage.com/compare/at-bay-vs-chubb) — sibling comparison - [At-Bay vs CNA](https://thegeneralaverage.com/compare/at-bay-vs-cna) — sibling comparison - [At-Bay vs Coalition](https://thegeneralaverage.com/compare/at-bay-vs-coalition) — sibling comparison - [At-Bay vs Corgi](https://thegeneralaverage.com/compare/at-bay-vs-corgi) — sibling comparison - [At-Bay vs Coterie Insurance](https://thegeneralaverage.com/compare/at-bay-vs-coterie) — sibling comparison - [At-Bay vs Counterpart](https://thegeneralaverage.com/compare/at-bay-vs-counterpart) — sibling comparison - [At-Bay vs Coverdash](https://thegeneralaverage.com/compare/at-bay-vs-coverdash) — sibling comparison - [At-Bay vs Cowbell](https://thegeneralaverage.com/compare/at-bay-vs-cowbell) — sibling comparison - [At-Bay vs Embroker](https://thegeneralaverage.com/compare/at-bay-vs-embroker) — sibling comparison - [At-Bay vs Founder Shield](https://thegeneralaverage.com/compare/at-bay-vs-foundershield) — sibling comparison - [The Baldwin Group vs StartupInsurance.ai](https://thegeneralaverage.com/compare/baldwin-vs-startupinsurance) — sibling comparison - [Beazley vs StartupInsurance.ai](https://thegeneralaverage.com/compare/beazley-vs-startupinsurance) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance) — sibling comparison - [biBerk vs StartupInsurance.ai](https://thegeneralaverage.com/compare/biberk-vs-startupinsurance) — sibling comparison - [CFC vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cfc-vs-startupinsurance) — sibling comparison - [Chubb vs StartupInsurance.ai](https://thegeneralaverage.com/compare/chubb-vs-startupinsurance) — sibling comparison - [CNA vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cna-vs-startupinsurance) — sibling comparison - [Coalition vs StartupInsurance.ai](https://thegeneralaverage.com/compare/coalition-vs-startupinsurance) — sibling comparison - [Corgi vs StartupInsurance.ai](https://thegeneralaverage.com/compare/corgi-vs-startupinsurance) — sibling comparison - [Coterie Insurance vs StartupInsurance.ai](https://thegeneralaverage.com/compare/coterie-vs-startupinsurance) — sibling comparison - [Counterpart vs StartupInsurance.ai](https://thegeneralaverage.com/compare/counterpart-vs-startupinsurance) — sibling comparison - [Coverdash vs StartupInsurance.ai](https://thegeneralaverage.com/compare/coverdash-vs-startupinsurance) — sibling comparison - [Cowbell vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cowbell-vs-startupinsurance) — sibling comparison - [Embroker vs StartupInsurance.ai](https://thegeneralaverage.com/compare/embroker-vs-startupinsurance) — sibling comparison # At-Bay vs StartupInsurance.ai: How Do They Compare for Business Insurance? At-Bay's Stance security fee and optional monitoring are separate purchases; StartupInsurance.ai reviews policies and customer contracts. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## At-Bay vs StartupInsurance.ai in Brief Startups needing policy exclusions and customer-contract gaps reviewed can use StartupInsurance.ai; software firms can assess At-Bay’s technology E&O, cyber and security services. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") ## At-Bay and StartupInsurance.ai Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### At-Bay Reliability Scores Role: Hybrid role. Broker Reliability Score: **5.2/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: 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.). Carrier & MGA Reliability Score: **7.1/10** (partial score; 30% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/at-bay/reliability). ### StartupInsurance.ai Reliability Scores Role: Broker. Broker Reliability Score: **4.9/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/startupinsurance/reliability). ## At-Bay Review Scores for 2026 Review Score: 9.5 / 10 from 2 rated sources, equally weighted. 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. - BBB: BBB rating A (A+ to F). At-Bay identity; US commercial insurance review/satisfaction evidence sought on BBB. Period: accessed 2026-09-25. Checked 2026-09-25. [At-Bay | BBB Business Profile](https://www.bbb.org/us/ca/mountain-view/profile/insurance-companies/at-bay-1216-1000025767) - G2: G2 star rating 4.5 (5 stars); 1 reviews. At-Bay company/product feedback; G2 seller profile identifies its offering as cybersecurity insurance and lists San Francisco headquarters. Not an insurance-policy claims or commercial-buyer satisfaction study. Period: review dated 2020-09-21. Checked 2026-09-25. [At-Bay seller profile and reviews](https://www.g2.com/es/sellers/at-bay) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/at-bay/reviews). ## StartupInsurance.ai Review Scores for 2026 Review Score: not enough ratings. StartupInsurance.ai 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. Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/startupinsurance/reviews). ## An Overview of At-Bay and StartupInsurance.ai An AI vendor may receive two separate customer requests: insure technology obligations and improve security operations. At-Bay combines specialist insurance with security services; StartupInsurance.ai offers placement plus policy-and-contract review. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [7](https://www.at-bay.com/stance/ "At-Bay Stance") [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") Choose At-Bay if technology E&O, cyber and security services fit the need; choose StartupInsurance.ai if you need the policy and customer contract reviewed together. ## What Stands Out About At-Bay and StartupInsurance.ai? ### At-Bay at a Glance - Combine technology E&O and cyber protection in one policy. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.) - Eligible policyholders get monitoring, training and cyber-advisor access; managed detection and response costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.) ### StartupInsurance.ai at a Glance - Get a free policy and contract review; StartupInsurance.ai says its assessment takes 48 hours. [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) - Startups can also ask about physical-risk placements such as product liability, equipment and commercial auto. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) ## At-Bay vs StartupInsurance.ai Coverage Lines Compared | Coverage Type | At-Bay | StartupInsurance.ai | | --- | --- | --- | | [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Not listed | Listed: StartupInsurance.ai arranges builders risk insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Not listed | Listed: StartupInsurance.ai arranges commercial auto insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Not listed | Listed: StartupInsurance.ai arranges commercial property insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Not listed | Listed: StartupInsurance.ai arranges commercial crime insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed: StartupInsurance.ai arranges cyber insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Not listed | Listed: StartupInsurance.ai arranges directors and officers liability insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Not listed | Listed: StartupInsurance.ai arranges employment practices liability insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Not listed | Listed: StartupInsurance.ai arranges fiduciary liability insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Not listed | Listed: StartupInsurance.ai arranges general liability insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Not listed | Listed: StartupInsurance.ai arranges product liability insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: At-Bay offers primary miscellaneous professional liability insurance. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed: StartupInsurance.ai arranges professional errors and omissions insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Not listed | Listed: StartupInsurance.ai arranges surety bonds for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed: StartupInsurance.ai arranges technology errors and omissions insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: StartupInsurance.ai arranges inland marine insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Not listed | Listed: StartupInsurance.ai arranges umbrella and excess liability insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Not listed | Listed: StartupInsurance.ai arranges workers’ compensation insurance for startups. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | 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 and StartupInsurance.ai Coverage, Line by Line - [At-Bay Cyber Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/cyber) - [StartupInsurance.ai Cyber Insurance](https://thegeneralaverage.com/insurance-providers/startupinsurance/cyber) - [At-Bay Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/professional-errors-omissions) - [StartupInsurance.ai Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/startupinsurance/professional-errors-omissions) - [At-Bay Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/technology-errors-omissions) - [StartupInsurance.ai Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/startupinsurance/technology-errors-omissions) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between At-Bay and StartupInsurance.ai ### Contractual Technology Promises Need the Proposed Form At-Bay’s technology E&O page describes combined professional and cyber protection, including customer contractual indemnity and certain service credits used to settle claims. These are product highlights subject to wording, not blanket acceptance of every promise in an enterprise agreement. StartupInsurance.ai’s review of contract gaps can help frame that question, but its catalogue does not supply a form-level answer. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") An older At-Bay appetite guide lists restricted classes including autonomous AI and differs from current headline appetite. Do not use that older guide as either a current rejection or proof that the restriction was removed. Send underwriting a precise description of the system’s autonomy and request current class acceptance. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") ### Security Is a Separate Cost and Contract At-Bay ties Stance access to an Embedded Security Fee and Endorsement; optional managed detection and response is purchased separately from At-Bay Security, LLC. It is not accurate to label the entire security offering free or mandatory. StartupInsurance.ai’s disclosed services concern policy review and administration, with possible agency charges under ContractorNerd’s disclosure. [7](https://www.at-bay.com/stance/ "At-Bay Stance") [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [19](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") Ask which controls are underwriting conditions, which services are included for the quoted fee and which subscriptions are optional. A team that already buys managed security should compare the proposed service scope before paying for overlapping functions. [7](https://www.at-bay.com/stance/ "At-Bay Stance") ### Broker Access and Renewal Approval Remain Necessary At-Bay’s platform is a broker workflow with document review, contingencies and signature requirements. Its historical own-paper announcement does not establish the issuer of a current California quote. StartupInsurance.ai’s agency disclosure likewise does not establish access to At-Bay; the relationship must be confirmed rather than inferred from overlapping products. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [11](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") [18](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") At-Bay describes rapid renewals that can bind automatically before expiry. Confirm which path applies and when changes must be supplied, particularly if the AI product’s capabilities have expanded since inception. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") ## What Should You Confirm in At-Bay and StartupInsurance.ai Quotes? - **Current appetite:** Which autonomous functions and contractual promises has underwriting accepted? [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") - **Itemized cost:** Separate premium, embedded security, optional MDR and producer charges. [7](https://www.at-bay.com/stance/ "At-Bay Stance") [19](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") - **Authority and timing:** Obtain the California issuer, broker access, renewal enrollment and final change deadline. [5](https://www.at-bay.com/licenses/ "Licenses") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") ## At-Bay vs StartupInsurance.ai Services Compared What each provider documents about the services you may need. | Criteria | At-Bay | StartupInsurance.ai | | --- | --- | --- | | 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](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | StartupInsurance.ai is a route for startups to request coverage, while ContractorNerd Insurance Services, LLC acts as the agent or broker and does not underwrite the policies. The brand identifies itself as ContractorNerd’s marketing name. [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [18](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. [17](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [18](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) | | 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](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. [16](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) | | Availability | 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. [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: California producer route; no regulator record retrieved.; verified: 2026-09-16.)

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](https://www.at-bay.com/licenses/ "Licenses") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Not found in reviewed sources; scope: Reviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.; verified: 2026-09-16.) | ContractorNerd reports California property-and-casualty license 6015566 as active and says it is licensed in all 50 states. This is the agency’s own disclosure, not an independently verified regulator result. StartupInsurance.ai says availability varies by state, carrier and risk, with some surplus-lines placements; the reviewed sources do not establish a California route for every advertised product. [17](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Company-disclosed producer route only. No California regulator lookup completed, appointments verified, surplus-lines authority established or product-specific eligibility confirmed.; verified: 2026-09-16.) | | Servicing and renewals | 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. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

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. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)

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. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) | The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. [15](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

The company advertises self-service certificates, centralized policy documents and renewal tracking. These operating services were not tested in an authenticated account. [14](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) | | 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. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Does not describe included security as free or quote an unverified fee amount.; verified: 2026-09-16.)

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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [10](https://www.at-bay.com/terms-of-service/ "Terms of Service") (Evidence: Not publicly disclosed; scope: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified: 2026-09-16.) | ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. [19](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Disclosure of the identified operating agency; no StartupInsurance.ai-specific signed fee agreement or amount reviewed. Disclosure says signed agreements control.; verified: 2026-09-16.) | ## Provider Profiles for At-Bay and StartupInsurance.ai - [What Is At-Bay Insurance?](https://thegeneralaverage.com/insurance-providers/at-bay) - [What Is StartupInsurance.ai?](https://thegeneralaverage.com/insurance-providers/startupinsurance) ## Comparisons Related to At-Bay vs StartupInsurance.ai - [AIG vs At-Bay](https://thegeneralaverage.com/compare/aig-vs-at-bay) - [AIG vs StartupInsurance.ai](https://thegeneralaverage.com/compare/aig-vs-startupinsurance) - [Alliance Risk vs At-Bay](https://thegeneralaverage.com/compare/alliance-risk-vs-at-bay) - [Alliance Risk vs StartupInsurance.ai](https://thegeneralaverage.com/compare/alliance-risk-vs-startupinsurance) - [Amelia Risk vs At-Bay](https://thegeneralaverage.com/compare/amelia-risk-vs-at-bay) - [Amelia Risk vs StartupInsurance.ai](https://thegeneralaverage.com/compare/amelia-risk-vs-startupinsurance) - [Aon vs At-Bay](https://thegeneralaverage.com/compare/aon-vs-at-bay) - [Aon vs StartupInsurance.ai](https://thegeneralaverage.com/compare/aon-vs-startupinsurance) - [Armilla vs At-Bay](https://thegeneralaverage.com/compare/armilla-vs-at-bay) - [Armilla vs StartupInsurance.ai](https://thegeneralaverage.com/compare/armilla-vs-startupinsurance) - [At-Bay vs The Baldwin Group](https://thegeneralaverage.com/compare/at-bay-vs-baldwin) - [At-Bay vs Beazley](https://thegeneralaverage.com/compare/at-bay-vs-beazley) - [At-Bay vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) - [At-Bay vs biBerk](https://thegeneralaverage.com/compare/at-bay-vs-biberk) - [At-Bay vs CFC](https://thegeneralaverage.com/compare/at-bay-vs-cfc) - [At-Bay vs Chubb](https://thegeneralaverage.com/compare/at-bay-vs-chubb) - [At-Bay vs CNA](https://thegeneralaverage.com/compare/at-bay-vs-cna) - [At-Bay vs Coalition](https://thegeneralaverage.com/compare/at-bay-vs-coalition) - [At-Bay vs Corgi](https://thegeneralaverage.com/compare/at-bay-vs-corgi) - [At-Bay vs Coterie Insurance](https://thegeneralaverage.com/compare/at-bay-vs-coterie) - [At-Bay vs Counterpart](https://thegeneralaverage.com/compare/at-bay-vs-counterpart) - [At-Bay vs Coverdash](https://thegeneralaverage.com/compare/at-bay-vs-coverdash) - [At-Bay vs Cowbell](https://thegeneralaverage.com/compare/at-bay-vs-cowbell) - [At-Bay vs Embroker](https://thegeneralaverage.com/compare/at-bay-vs-embroker) - [At-Bay vs Founder Shield](https://thegeneralaverage.com/compare/at-bay-vs-foundershield) - [The Baldwin Group vs StartupInsurance.ai](https://thegeneralaverage.com/compare/baldwin-vs-startupinsurance) - [Beazley vs StartupInsurance.ai](https://thegeneralaverage.com/compare/beazley-vs-startupinsurance) - [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance) - [biBerk vs StartupInsurance.ai](https://thegeneralaverage.com/compare/biberk-vs-startupinsurance) - [CFC vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cfc-vs-startupinsurance) - [Chubb vs StartupInsurance.ai](https://thegeneralaverage.com/compare/chubb-vs-startupinsurance) - [CNA vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cna-vs-startupinsurance) - [Coalition vs StartupInsurance.ai](https://thegeneralaverage.com/compare/coalition-vs-startupinsurance) - [Corgi vs StartupInsurance.ai](https://thegeneralaverage.com/compare/corgi-vs-startupinsurance) - [Coterie Insurance vs StartupInsurance.ai](https://thegeneralaverage.com/compare/coterie-vs-startupinsurance) - [Counterpart vs StartupInsurance.ai](https://thegeneralaverage.com/compare/counterpart-vs-startupinsurance) - [Coverdash vs StartupInsurance.ai](https://thegeneralaverage.com/compare/coverdash-vs-startupinsurance) - [Cowbell vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cowbell-vs-startupinsurance) - [Embroker vs StartupInsurance.ai](https://thegeneralaverage.com/compare/embroker-vs-startupinsurance) ## Sources for At-Bay vs StartupInsurance.ai ### [At-Bay Official Website](https://www.at-bay.com/) 1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16. 2. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16. 3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16. 4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16. 5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16. 6. [Broker Platform](https://www.at-bay.com/brokers/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](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16. 8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16. 9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16. 10. [Terms of Service](https://www.at-bay.com/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](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-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](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). 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](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16. ### [StartupInsurance.ai Official Website](https://www.startupinsurance.ai/) 14. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Hero; Coverage: What we place and The startup program; AI coverage that names AI; Physical risk, because AI outgrew software; The paperwork runs itself; carrier panel; Straight talk; footer agency and issuer disclosure. Accessed 2026-09-16. 15. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 16. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Initial coverage selection and seven-step navigation. Accessed 2026-09-16. 17. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; licensing status table, California row. Accessed 2026-09-16. 18. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Sections 1, 2 and 2.A: agency role, submissions, servicing and compensation. Accessed 2026-09-16. 19. [Compensation Disclosure](https://www.contractornerd.com/compensation-disclosure/). ContractorNerd; Sections 2–9: transaction roles, commissions, buyer fees, contingent compensation and information requests. Accessed 2026-09-16. Updated 2026-09-25. 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](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/at-bay-vs-startupinsurance.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)