What Are the Alternatives to At-Bay Business Insurance?
At-Bay suits technology firms prioritizing cyber and technology E&O with security support; businesses seeking broad small-business packages should compare general commercial carriers.
Absence from our documented catalogue does not establish that a coverage line is unavailable from a provider; it means our research does not yet document it.
What Should You Weigh When Choosing an Alternative to At-Bay?
At-Bay separates its disclosed producer, At-Bay Insurance Services LLC, from the carrier: a 2023 announcement named At-Bay Specialty Insurance Company as the issuer for new Cyber and Tech E&O business, but the current miscellaneous professional liability page does not name its issuing insurer. Ask for the named insurer on any At-Bay quote and do the same with an alternative. 2,3,4
At-Bay’s advertised appetite differs by route: its Tech E&O product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits, while its broker-platform route lists lower ceilings of $100 million in revenue and $3 million in limits. Confirm which route and ceiling apply before comparing eligibility with an alternative. 5,6
At-Bay’s Stance security services are tied to an Embedded Security Fee and Endorsement on the policy, and managed detection and response is a separate purchase from its security affiliate. Distinguish these security costs from the insurance premium and any broker charges when comparing quotes. 7
The reviewed product, platform and US terms pages don’t disclose At-Bay’s commission rates or a complete placement-fee schedule. Request an itemized quote and compensation disclosure from At-Bay and any alternative before comparing cost. 5,6,8
At-Bay Alternatives for Cyber Insurance
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
Reliability ScoreAlliance Risk arranges cyber liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges cyber insurance.
Reliability Score5.1/ 10Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
Reliability Score6.7/ 10Beazley offers cyber insurance for small and midsized businesses.
Reliability Score6.2/ 10BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
Reliability Score7.0/ 10- Reliability Score
CFC offers cyber insurance, including primary and excess products.
Reliability ScoreChubb offers cyber insurance.
Reliability Score6.4/ 10- Reliability Score
Coalition offers cyber insurance.
Reliability Score6.2/ 10Corgi lists cyber insurance among its business insurance offerings.
Reliability ScoreCoverdash lists cyber insurance in its coverage catalog.
Reliability Score5.1/ 10Cowbell offers standalone and excess cyber products through its insurance-agency business.
Reliability Score6.3/ 10Embroker lists cyber insurance with a quote route.
Reliability Score5.1/ 10Founder Shield lists cyber liability among its core offerings.
Reliability Score5.3/ 10Cyber product page; policy terms and limits not established.
Reliability ScoreGallagher arranges cyber insurance.
Reliability Score5.5/ 10Harper lists cyber insurance and describes approaching insurers for customers.
Reliability Score5.9/ 10Heffernan arranges cyber insurance.
Reliability Score5.0/ 10Hiscox offers cyber insurance for small businesses.
Reliability Score6.1/ 10HUB International arranges cyber insurance.
Reliability Score5.5/ 10Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro lists cyber liability and compares business details with carrier appetite.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges cyber insurance.
Reliability Score5.6/ 10Markel Cyber 360
Reliability Score7.1/ 10Marsh arranges cyber insurance.
Reliability Score5.6/ 10- Reliability Score
Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
Reliability Score5.0/ 10Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
Reliability ScoreNewfront places cyber insurance, negotiates policy wording and provides claims consultation.
Reliability Score5.0/ 10Pie provides access to cyber insurance quotes from carrier partners.
Reliability Score5.8/ 10Relm lists cyber insurance for placement through brokers.
Reliability ScoreResilience markets cyber insurance on a primary or excess basis.
Reliability Score5.0/ 10RiskCube arranges cyber insurance for startups.
Reliability Score5.9/ 10Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10Add-on for select buyers purchasing another business policy; phone quote route.
Reliability ScoreStartupInsurance.ai arranges cyber insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges cyber insurance for small businesses.
Reliability Score5.0/ 10Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
Reliability ScoreThe Hartford offers cyber insurance and data-breach coverage.
Reliability Score7.3/ 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Reliability ScoreTravelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
Reliability Score6.1/ 10USI arranges cyber insurance.
Reliability Score5.3/ 10Vouch lists cyber liability in its technology-company programs.
Reliability Score5.0/ 10WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
Reliability Score5.0/ 10WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.
Reliability Score7.0/ 10Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
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At-Bay Alternatives for Professional Liability (E&O) Insurance
AIG entity-based Professional Liability / Specialty Professional E&O
Reliability ScoreAlliance Risk arranges professional liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges professional errors and omissions insurance for startups.
Reliability Score5.1/ 10Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
Reliability Score6.7/ 10Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
Reliability Score6.2/ 10Professional First materials describe a professional-liability portfolio with several professions and service types.
Reliability Score7.0/ 10- Reliability Score
CFC offers professional liability insurance for professional-service businesses.
Reliability ScoreChubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
Reliability Score6.4/ 10currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
Reliability ScoreCoalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Reliability Score6.2/ 10Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
Reliability ScoreCoterie lists miscellaneous professional liability for eligible small businesses in participating states.
Reliability Score5.1/ 10Several separately scoped professional-liability programs; do not generalize terms across professions.
Reliability ScoreCoverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
Reliability Score5.1/ 10Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
Reliability Score5.1/ 10ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Reliability Score5.8/ 10Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Reliability Score5.3/ 10Professional E&O product page.
Reliability ScoreGallagher arranges professional errors and omissions insurance for small businesses.
Reliability Score5.5/ 10Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
Reliability Score5.9/ 10Heffernan arranges professional errors and omissions insurance for small businesses.
Reliability Score5.0/ 10Hiscox offers professional errors and omissions insurance for small businesses.
Reliability Score6.1/ 10HUB International arranges professional errors and omissions insurance.
Reliability Score5.5/ 10Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges professional errors and omissions insurance.
Reliability Score5.6/ 10Markel ProBiz miscellaneous E&O
Reliability Score7.1/ 10Marsh arranges professional errors and omissions insurance.
Reliability Score5.6/ 10- Reliability Score
Mylo compares professional liability quotes for claims from clients unhappy with professional services.
Reliability Score5.0/ 10Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
Reliability ScoreNewfront lists errors and omissions among its executive-risk coverage services.
Reliability Score5.0/ 10Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Reliability Score5.8/ 10Relm lists professional errors and omissions insurance for placement through brokers.
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StartupInsurance.ai arranges professional errors and omissions insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges professional errors and omissions insurance for small businesses.
Reliability Score5.0/ 10Listed as professional liability/E&O for professional-services and government-contractor audiences.
Reliability ScoreThe Hartford offers professional liability insurance for service businesses.
Reliability Score7.3/ 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Reliability ScoreTravelers offers professional errors and omissions insurance.
Reliability Score6.1/ 10USI arranges professional errors and omissions insurance.
Reliability Score5.3/ 10Vouch lists errors and omissions among the core coverages in its professional-services programs.
Reliability Score5.0/ 10WithCoverage includes errors and omissions in its technology insurance-program review services.
Reliability Score5.0/ 10WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.
Reliability Score7.0/ 10Zurich markets professional errors and omissions insurance.
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At-Bay Alternatives for Tech E&O Insurance
AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering.
Reliability ScoreAlliance Risk arranges technology errors and omissions insurance.
Reliability Score5.8/ 10Amelia Risk arranges technology errors and omissions insurance for technology businesses.
Reliability Score5.1/ 10Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.
Reliability Score6.2/ 10Professional First materials identify Technology E&O as a professional-liability product.
Reliability Score7.0/ 10CFC offers technology errors and omissions for technology businesses.
Reliability ScoreChubb offers technology errors and omissions insurance through DigiTech ERM for technology companies.
Reliability Score6.4/ 10- Reliability Score
Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
Reliability Score6.2/ 10Corgi lists technology errors and omissions insurance for technology products and services.
Reliability ScoreCoverdash lists technology errors and omissions in its Professional & Management catalog, separately from professional liability.
Reliability Score5.1/ 10Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.
Reliability Score6.3/ 10Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses.
Reliability Score5.1/ 10Technology/creative class within broader E&O; no separate technology form established.
Reliability ScoreGallagher arranges technology errors and omissions insurance for technology businesses.
Reliability Score5.5/ 10HUB International arranges technology errors and omissions insurance.
Reliability Score5.5/ 10- Reliability Score
Markel Cyber 360 technology professional liability component (standalone product not established)
Reliability Score7.1/ 10Marsh arranges technology errors and omissions insurance.
Reliability Score5.6/ 10Newfront lists technology errors and omissions among its cyber-risk placement coverages.
Reliability Score5.0/ 10Relm lists technology errors and omissions insurance for placement through brokers.
Reliability ScoreResilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue.
Reliability Score5.0/ 10RiskCube arranges technology errors and omissions insurance for startups.
Reliability Score5.9/ 10Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10StartupInsurance.ai arranges technology errors and omissions insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
Reliability Score5.0/ 10The Hartford offers technology errors and omissions coverage through its FailSafe product.
Reliability Score7.3/ 10Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies.
Reliability Score6.1/ 10USI arranges technology errors and omissions insurance.
Reliability Score5.3/ 10Vouch lists technology errors and omissions among the core coverages in its technology-company programs.
Reliability Score5.0/ 10Zurich markets technology errors and omissions insurance.
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Sources for At-Bay Alternatives
- Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
- Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
- 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.
- MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
- 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.
- Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
- At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
- Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.