--- title: "At-Bay Professional Liability (E&O) Insurance" description: "Everything to know before buying At-Bay Professional Liability (E&O) Insurance: what it covers, who it’s for, and its limits and retentions." canonical: "https://thegeneralaverage.com/insurance-providers/at-bay/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "at-bay" coverage-line: "professional-errors-omissions" --- 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/professional-errors-omissions) ## Agent Guide **What this page is:** What At-Bay Professional Liability (E&O) 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 Professional Liability (E&O) Insurance specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does At-Bay Professional Liability (E&O) Insurance offer this coverage? - What does At-Bay Professional Liability (E&O) Insurance cover and exclude? - Who is At-Bay Professional Liability (E&O) Insurance designed for? **Key facts:** - Provider slug `at-bay`; coverage line `professional-errors-omissions`. - 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 Professional Liability (E&O) Insurance from At-Bay Cover? Product: At-Bay Miscellaneous Professional Liability (MPL) Insurance. Provider: At-Bay. Coverage line: Professional Liability (E&O) Insurance. ## Quick Answer 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. [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [2](https://www.at-bay.com/licenses/ "Licenses") ## At-Bay Professional Liability (E&O) Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not found in reviewed sources | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [2](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.) ## 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.) ## What We Couldn’t Find About At-Bay Professional Liability (E&O) The reviewed sources do not settle these. Confirm them with At-Bay or a broker before relying on them. - **Issuing Insurer (Not found in reviewed sources):** 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [3](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/ "At-Bay Doubles Miscellaneous Professional Liability Appetite") (Scope: 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.) ## At-Bay vs Other Professional Liability (E&O) 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 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) - [At-Bay vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) ## Other Coverage Lines From At-Bay - [At-Bay Cyber Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/cyber) - [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: Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for At-Bay Professional Liability (E&O) Insurance 1. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). 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. 2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16. 3. [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. 4. [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. ## How to Cite This Page At-Bay Professional Liability (E&O) Insurance: Coverage, Eligibility, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/at-bay/professional-errors-omissions. 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/professional-errors-omissions.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)