--- title: "At-Bay Cyber Insurance" description: "Everything to know before buying At-Bay Cyber Insurance: what it covers, its limits and retentions, and how to apply." canonical: "https://thegeneralaverage.com/insurance-providers/at-bay/cyber" page-type: "offering-page" updated-at: "2026-09-23" provider: "at-bay" coverage-line: "cyber" --- 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/insurance-providers/at-bay/cyber) ## Agent Guide **What this page is:** What At-Bay Cyber Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for At-Bay Cyber Insurance specifically. For the general coverage explainer use /coverage/cyber; for the provider overall use its profile. **Questions this page answers:** - Does At-Bay Cyber Insurance offer this coverage? - What does At-Bay Cyber Insurance cover and exclude? - Who is At-Bay Cyber Insurance designed for? **Key facts:** - Provider slug `at-bay`; coverage line `cyber`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/at-bay) — parent: provider profile # What Does Cyber Insurance from At-Bay Cover? Product: At-Bay Cyber Insurance. Provider: At-Bay. Coverage line: Cyber Insurance. ## Quick Answer At-Bay offers primary and excess cyber insurance to businesses with up to $5 billion in revenue and limits up to $10 million, with its Stance security platform included. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [2](https://www.at-bay.com/licenses/ "Licenses") [3](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") ## At-Bay Cyber Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Coverage Features | Company-reported | 2 | | Limits and Retentions | Company-reported | 1 | | Risk Services | Company-reported | 1 | | How to Apply | Company-reported | 1 | | Claims Support | Company-reported | 1 | ## What Is At-Bay’s Role in Cyber Insurance? - At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. [2](https://www.at-bay.com/licenses/ "Licenses") [3](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") (Evidence: Company-reported; scope: Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.) ## Who Issues At-Bay Cyber Insurance? - The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [3](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") (Evidence: Company-reported; scope: Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.) ## What Coverage Features Does At-Bay Cyber Insurance Include? - At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms.) - At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.) ## What Limits and Retentions Does At-Bay Cyber Insurance Have? - At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.) ## What Risk Services Come With At-Bay Cyber Insurance? - Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.) ## How Do You Apply for At-Bay Cyber Insurance? - You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.) ## How Does At-Bay Handle Cyber Insurance Claims? - At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. [4](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Company-reported; scope: Claims-handling page process description; does not establish claim outcomes or payment speed.) ## How Does At-Bay Compare With Other Cyber Insurance Providers? - [At-Bay vs AIG](https://thegeneralaverage.com/compare/aig-vs-at-bay) - [At-Bay vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-at-bay) - [At-Bay vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-at-bay) - [At-Bay vs Aon](https://thegeneralaverage.com/compare/aon-vs-at-bay) - [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) ## Other Coverage Lines From At-Bay - [At-Bay Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/professional-errors-omissions) - [At-Bay Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/technology-errors-omissions) ## Related Reading - [At-Bay Profile](https://thegeneralaverage.com/insurance-providers/at-bay) - [At-Bay Reliability](https://thegeneralaverage.com/insurance-providers/at-bay/reliability) - [At-Bay Alternatives](https://thegeneralaverage.com/insurance-providers/at-bay/alternatives) - [Coverage Guide: Cyber liability](https://thegeneralaverage.com/coverage/cyber) ## Sources for At-Bay Cyber Insurance 1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23. 2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23. 3. [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: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23. 4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23. ## How to Cite This Page At-Bay Cyber Insurance: Coverage, Claims, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/at-bay/cyber. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/at-bay/cyber.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)