--- title: "At-Bay vs TechInsurance" description: "At-Bay offers a combined technology E&O and cyber product; TechInsurance uses the Insureon platform to seek market quotes." canonical: "https://thegeneralaverage.com/compare/at-bay-vs-techinsurance" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "at-bay-vs-techinsurance" provider-a: "at-bay" provider-b: "techinsurance" --- 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-techinsurance) ## Agent Guide **What this page is:** Side-by-side comparison of At-Bay and TechInsurance 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 TechInsurance 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 TechInsurance compare? - Which is better for business insurance, At-Bay or TechInsurance? - Does At-Bay or TechInsurance offer the coverage lines I need? - What service and claims differences are documented between At-Bay and TechInsurance? **Key facts:** - Providers compared: At-Bay and TechInsurance. - 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) - [TechInsurance profile](https://thegeneralaverage.com/insurance-providers/techinsurance) — 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 - [TechInsurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/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 - [TechInsurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/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 - [TechInsurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/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 TechInsurance](https://thegeneralaverage.com/compare/aig-vs-techinsurance) — sibling comparison - [Alliance Risk vs At-Bay](https://thegeneralaverage.com/compare/alliance-risk-vs-at-bay) — sibling comparison - [Alliance Risk vs TechInsurance](https://thegeneralaverage.com/compare/alliance-risk-vs-techinsurance) — sibling comparison - [Amelia Risk vs At-Bay](https://thegeneralaverage.com/compare/amelia-risk-vs-at-bay) — sibling comparison - [Amelia Risk vs TechInsurance](https://thegeneralaverage.com/compare/amelia-risk-vs-techinsurance) — sibling comparison - [Aon vs At-Bay](https://thegeneralaverage.com/compare/aon-vs-at-bay) — sibling comparison - [Aon vs TechInsurance](https://thegeneralaverage.com/compare/aon-vs-techinsurance) — sibling comparison - [Armilla vs At-Bay](https://thegeneralaverage.com/compare/armilla-vs-at-bay) — sibling comparison - [Armilla vs TechInsurance](https://thegeneralaverage.com/compare/armilla-vs-techinsurance) — 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 TechInsurance](https://thegeneralaverage.com/compare/baldwin-vs-techinsurance) — sibling comparison - [Beazley vs TechInsurance](https://thegeneralaverage.com/compare/beazley-vs-techinsurance) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs TechInsurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance) — sibling comparison - [biBerk vs TechInsurance](https://thegeneralaverage.com/compare/biberk-vs-techinsurance) — sibling comparison - [CFC vs TechInsurance](https://thegeneralaverage.com/compare/cfc-vs-techinsurance) — sibling comparison - [Chubb vs TechInsurance](https://thegeneralaverage.com/compare/chubb-vs-techinsurance) — sibling comparison - [CNA vs TechInsurance](https://thegeneralaverage.com/compare/cna-vs-techinsurance) — sibling comparison - [Coalition vs TechInsurance](https://thegeneralaverage.com/compare/coalition-vs-techinsurance) — sibling comparison - [Corgi vs TechInsurance](https://thegeneralaverage.com/compare/corgi-vs-techinsurance) — sibling comparison - [Coterie Insurance vs TechInsurance](https://thegeneralaverage.com/compare/coterie-vs-techinsurance) — sibling comparison - [Counterpart vs TechInsurance](https://thegeneralaverage.com/compare/counterpart-vs-techinsurance) — sibling comparison - [Coverdash vs TechInsurance](https://thegeneralaverage.com/compare/coverdash-vs-techinsurance) — sibling comparison - [Cowbell vs TechInsurance](https://thegeneralaverage.com/compare/cowbell-vs-techinsurance) — sibling comparison - [Embroker vs TechInsurance](https://thegeneralaverage.com/compare/embroker-vs-techinsurance) — sibling comparison # At-Bay vs TechInsurance: How Do They Compare for Business Insurance? At-Bay offers a combined technology E&O and cyber product; TechInsurance uses the Insureon platform to seek market quotes. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## At-Bay vs TechInsurance in Brief Small technology businesses can compare multiple insurer quotes through TechInsurance; firms wanting one combined technology E&O and cyber product can assess At-Bay. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [15](https://www.techinsurance.com/about-us "About TechInsurance") [17](https://www.techinsurance.com/legal/licenses "Insurance Licensing") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") ## At-Bay and TechInsurance 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). ### TechInsurance Reliability Scores Role: Broker. Broker Reliability Score: **5.0/10** (partial score; 30% 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.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.); Disclosure Clarity (The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/techinsurance/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). ## TechInsurance Review Scores for 2026 Review Score: 9.1 / 10 from 2 rated sources, equally weighted. TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling. - Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com) - ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/techinsurance/reviews). ## An Overview of At-Bay and TechInsurance A technology company should compare proposed forms and markets approached: At-Bay markets a combined Tech E&O/cyber product, while TechInsurance describes quote shopping through Insureon within HUB’s corporate group. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [15](https://www.techinsurance.com/about-us "About TechInsurance") [17](https://www.techinsurance.com/legal/licenses "Insurance Licensing") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") Choose At-Bay if one broker-accessed combined product fits; choose TechInsurance if you want an agency to compare multiple technology quotes. ## What Stands Out About At-Bay and TechInsurance? ### 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.) ### TechInsurance at a Glance - Submit one application to compare multiple insurance quotes. [15](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.) - TechInsurance markets technology E&O and cyber coverage together. [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.) ## At-Bay vs TechInsurance Coverage Lines Compared | Coverage Type | At-Bay | TechInsurance | | --- | --- | --- | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Not listed | Listed: TechInsurance arranges business owner’s policies for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Not listed | Listed: TechInsurance arranges commercial auto insurance for small businesses. [14](https://www.techinsurance.com/ "Technology Business Insurance") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Not listed | Listed: TechInsurance arranges commercial property insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [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: TechInsurance arranges cyber insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Not listed | Listed: TechInsurance arranges directors and officers liability insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Not listed | Listed: TechInsurance arranges employment practices liability insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Not listed | Listed: TechInsurance arranges fidelity bonds addressing employee theft from clients. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Not listed | Listed: TechInsurance arranges general liability insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [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: TechInsurance arranges professional errors and omissions insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Not listed | Listed: TechInsurance arranges surety bonds for small businesses. [16](https://www.techinsurance.com/contact-us "Contact Us") | | [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: TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: TechInsurance arranges inland marine coverage for contractors’ tools and equipment. [21](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Not listed | Listed: TechInsurance arranges commercial umbrella insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Not listed | Listed: TechInsurance arranges workers’ compensation insurance for small businesses. [19](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | 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 TechInsurance Coverage, Line by Line - [At-Bay Cyber Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/cyber) - [TechInsurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/cyber) - [At-Bay Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/professional-errors-omissions) - [TechInsurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/professional-errors-omissions) - [At-Bay Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/technology-errors-omissions) - [TechInsurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/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 TechInsurance ### Corporate Ties Matter When Comparing Broker Proposals TechInsurance operates through SPG and the Insureon platform within HUB’s group. Requesting quotes from TechInsurance, Insureon and HUB does not necessarily create three independent market searches. Ask which team owns each submission and which insurers it will approach. At-Bay’s broker platform concerns access to its products, not a competing broker panel. [15](https://www.techinsurance.com/about-us "About TechInsurance") [17](https://www.techinsurance.com/legal/licenses "Insurance Licensing") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") ### A Combined Description Still Leaves Form Differences TechInsurance’s technology E&O description includes cyber protection, but the issuer and wording depend on the placed policy. Ask both routes to address the same service failure, data incident and customer-indemnity scenarios; matching coverage labels do not establish matching exclusions or limits. [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [21](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") ### Shopping Compensation and Security Costs Are Separate SPG’s compensation disclosure includes commissions, possible fees and enhanced remuneration from strategic carrier relationships. At-Bay separately describes policy-linked security charges. Ask how the broker’s remuneration and the product’s service costs appear in the total, without treating either structure as proof of a better or worse recommendation. [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") [7](https://www.at-bay.com/stance/ "At-Bay Stance") ## What Should You Confirm in At-Bay and TechInsurance Quotes? Request the submission list, quoted legal insurer, California acceptance and itemized compensation. For an incident, identify the policy notice address and which broker will assist: TechInsurance directs claims toward the carrier, while At-Bay describes cyber response coordination. Neither public description establishes claims quality. [18](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California") [24](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim "How Do I File a Business Insurance Claim?") [8](https://www.at-bay.com/claims/ "Claims Handling") ## At-Bay vs TechInsurance Services Compared What each provider documents about the services you may need. | Criteria | At-Bay | TechInsurance | | --- | --- | --- | | 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.) | Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [16](https://www.techinsurance.com/contact-us "Contact Us") [22](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)

TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [15](https://www.techinsurance.com/about-us "About TechInsurance") [16](https://www.techinsurance.com/contact-us "Contact Us") [25](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) | | Customer focus | 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. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)

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](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") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. [21](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [20](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Marketed customer groups, not acceptance criteria or proof of growth-stage capacity.; 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.) | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [15](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)

TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [16](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; 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.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [22](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)

SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [23](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) | ## Provider Profiles for At-Bay and TechInsurance - [What Is At-Bay Insurance?](https://thegeneralaverage.com/insurance-providers/at-bay) - [What Is TechInsurance?](https://thegeneralaverage.com/insurance-providers/techinsurance) ## Comparisons Related to At-Bay vs TechInsurance - [AIG vs At-Bay](https://thegeneralaverage.com/compare/aig-vs-at-bay) - [AIG vs TechInsurance](https://thegeneralaverage.com/compare/aig-vs-techinsurance) - [Alliance Risk vs At-Bay](https://thegeneralaverage.com/compare/alliance-risk-vs-at-bay) - [Alliance Risk vs TechInsurance](https://thegeneralaverage.com/compare/alliance-risk-vs-techinsurance) - [Amelia Risk vs At-Bay](https://thegeneralaverage.com/compare/amelia-risk-vs-at-bay) - [Amelia Risk vs TechInsurance](https://thegeneralaverage.com/compare/amelia-risk-vs-techinsurance) - [Aon vs At-Bay](https://thegeneralaverage.com/compare/aon-vs-at-bay) - [Aon vs TechInsurance](https://thegeneralaverage.com/compare/aon-vs-techinsurance) - [Armilla vs At-Bay](https://thegeneralaverage.com/compare/armilla-vs-at-bay) - [Armilla vs TechInsurance](https://thegeneralaverage.com/compare/armilla-vs-techinsurance) - [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 TechInsurance](https://thegeneralaverage.com/compare/baldwin-vs-techinsurance) - [Beazley vs TechInsurance](https://thegeneralaverage.com/compare/beazley-vs-techinsurance) - [Berkshire Hathaway Specialty Insurance vs TechInsurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance) - [biBerk vs TechInsurance](https://thegeneralaverage.com/compare/biberk-vs-techinsurance) - [CFC vs TechInsurance](https://thegeneralaverage.com/compare/cfc-vs-techinsurance) - [Chubb vs TechInsurance](https://thegeneralaverage.com/compare/chubb-vs-techinsurance) - [CNA vs TechInsurance](https://thegeneralaverage.com/compare/cna-vs-techinsurance) - [Coalition vs TechInsurance](https://thegeneralaverage.com/compare/coalition-vs-techinsurance) - [Corgi vs TechInsurance](https://thegeneralaverage.com/compare/corgi-vs-techinsurance) - [Coterie Insurance vs TechInsurance](https://thegeneralaverage.com/compare/coterie-vs-techinsurance) - [Counterpart vs TechInsurance](https://thegeneralaverage.com/compare/counterpart-vs-techinsurance) - [Coverdash vs TechInsurance](https://thegeneralaverage.com/compare/coverdash-vs-techinsurance) - [Cowbell vs TechInsurance](https://thegeneralaverage.com/compare/cowbell-vs-techinsurance) - [Embroker vs TechInsurance](https://thegeneralaverage.com/compare/embroker-vs-techinsurance) ## Sources for At-Bay vs TechInsurance ### [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. ### [TechInsurance Official Website](https://www.techinsurance.com/) 14. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies (including the Commercial auto insurance card); proof of insurance and expert advice; footer. Accessed 2026-09-16. 15. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 16. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 17. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16. 18. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16. 19. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16. 20. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 21. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer (including Contractor’s tools and equipment insurance); Professions we insure. Accessed 2026-09-16. 22. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16. 23. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16. 24. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim) TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16. 25. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. 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-techinsurance.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)