What Does Professional Liability (E&O) Insurance from At-Bay Cover?
At-Bay offers primary professional liability (E&O) insurance with limits up to $5 million to businesses of any revenue size, sold through insurance professionals.
At-Bay Miscellaneous Professional Liability (MPL) Insurance · Updated
What Is At-Bay’s Role in Professional Liability (E&O) Insurance?
At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. 1,2
Company-reported.Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.
Who Issues At-Bay Professional Liability (E&O) Insurance?
The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. 1,3
Not found in reviewed sources.Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper.
Who Is At-Bay Professional Liability (E&O) Insurance For?
At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. 1
Company-reported.Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.
Coverage Features of At-Bay Professional Liability (E&O) Insurance
At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. 1
Company-reported.Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.
At-Bay Professional Liability (E&O) Insurance Limits and Retentions
At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. 1
Company-reported.Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.
How Do You Apply for At-Bay Professional Liability (E&O) Insurance?
At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. 1,4
Company-reported.Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.
At-Bay Professional Liability (E&O) Insurance Compared
Other Coverage Lines Documented for At-Bay
Sources for At-Bay Professional Liability (E&O) Insurance
- MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
- Licenses. At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
- At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. 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.