Is At-Bay Legit? Licensing, Carriers and Reliability
At-Bay has a Broker Reliability Score of 5.2/10, a partial score covering only the factors with sufficient evidence. At-Bay has a Carrier & MGA Reliability Score of 7.1/10, a partial score covering only the factors with sufficient evidence. Reliability Scores assess documented reliability within the reviewed scope; they do not predict claims payment.
At-Bay Reliability Scores for 2026
At-Bay Broker Reliability Score
5.2/ 10This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.
Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-23 · Review due 2026-10-23
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 100.0%normalized | 2.1 / 4 | [5][2][4][3] |
Included weights are normalized over the supported factors.
At-Bay Carrier & MGA Reliability Score
7.1/ 10This partial Carrier & MGA Spot Score covers financial resilience, disclosure clarity within the stated scope. It uses 30% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.
Partial score — 30% of this rubric’s factor weighting. Excluded: Identity and Authority, Claims and Servicing, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-23 · Review due 2026-10-23
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 15% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Financial Resilience | 20% | 66.7%normalized | 2.9 / 4 | [1][2][4] |
| Claims and Servicing | 20% | — | Excluded | The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. |
| Carrier-Network Strength | 15% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 20% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 10% | 33.3%normalized | 2.8 / 4 | [5][2][4][3] |
Included weights are normalized over the supported factors.
What Evidence Supports Spot’s Assessment of At-Bay?
Role: Hybrid provider. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.
At-Bay Legal Identity
At-Bay’s license page identifies At-Bay Insurance Services LLC as the producer, while At-Bay’s carrier-transition announcement identifies At-Bay Specialty Insurance Company as a separate Delaware-based E&S carrier. At-Bay Security, LLC is described as a separate security-services affiliate.[5][2][4]
At-Bay Licensing
At-Bay publishes P&C and surplus-lines producer identifiers for every state and the District of Columbia, including California 0L73812 and D.C. 3000238110. The displayed list is company evidence; current regulator records, exact lines and appointments were not independently established in this record.[5]
At-Bay Financial Strength
AM Best's disclosure report for At-Bay Specialty Insurance Company (AMB 021446, NAIC 19607), captured on 23 September 2026, shows a Financial Strength Rating of A- u (Excellent) and a Long-Term Issuer Credit Rating of a- u (Excellent). Both are Under Review — Positive implications, an action effective 21 August 2026, and the company is in Financial Size Category VIII (USD 100–250 million). The report gives no statutory balance sheet, and the rating belongs to At-Bay Specialty Insurance Company, not At-Bay Insurance Services LLC.[1]
At-Bay's 2023 transition announcement described an A- rating with a stable outlook when its Cyber and Tech E&O business moved to At-Bay Specialty paper. AM Best's record captured on 23 September 2026 shows the ratings Under Review — Positive implications, effective 21 August 2026. No current public statutory financial statement was located in the cited material.[2][1]
At-Bay Risk-Bearing Relationships
At-Bay Claims and Service
At-Bay publishes a claims-handling page with an incident roadmap and claims-team information, and separately markets Stance security services. Those service descriptions do not independently establish claim outcomes or mean that a security affiliate is the policy issuer or claims decision-maker.[3][4]
At-Bay Regulatory Record
The cited public record includes a company-published multi-state license table, but not an independent 50-state-and-DC status or conduct search for either the agency or carrier. the record does not establish a completed five-year conduct result.[5]
Evidence Gaps in Spot’s Review of At-Bay
- Current independent regulator confirmation of producer and E&S carrier authority is not established in this record.
- No current public statutory financial statement for At-Bay Specialty Insurance Company was located. The AM Best record captured on 23 September 2026 is the current rating evidence for that carrier; it is a rating opinion under review, not a financial statement.
- Product/state issuer mapping beyond the announced Cyber and Tech E&O transition is not public in the cited material.
- Reinsurance, claims administrator responsibilities and carrier-specific conduct records remain unresolved.
Jurisdiction Searches Run for At-Bay
| Jurisdiction | Result | Notes |
|---|---|---|
 California | Company-reported disclosure[5] | At-Bay page displays P&C and surplus-lines number 0L73812; current authority is not independently established in this record. |
 District of Columbia | Company-reported disclosure[5] | At-Bay page displays P&C and surplus-lines number 3000238110; current authority is not independently established in this record. |
 US/DC | Company-reported disclosure[5] | At-Bay publishes a complete-looking table, but independent record and conduct searches are not established in this record. |
At-Bay Licenses and Authority Records
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| At-Bay Insurance Services LLCCalifornia | State license: 0L73812[5] | P&C and surplus-lines producer entries as displayed by company; Company-published entry; current CDI record not independently established in this record |
| At-Bay Insurance Services LLCDistrict of Columbia | State license: 3000238110[5] | P&C and surplus-lines producer entries as displayed by company; Company-published entry; current regulator record not independently established in this record |
| At-Bay Specialty Insurance CompanyUnited States | NAIC number: 19607[2][1] | E&S carrier identifier; Delaware domicile stated by company; AM Best identifies the company as NAIC 19607; The published materials do not provide a state-by-state certificate or eligibility list, so E&S authority remains transaction-specific and unverified here |
Sources for At-Bay Reliability Research
- Best's Credit Rating Disclosure Report - At-Bay Specialty Insurance Company. AM Best; Disclosure report captured by the publisher on 23 September 2026: At-Bay Specialty Insurance Company, AMB 021446, NAIC 19607. Financial Strength Rating A- u (Excellent); outlook Under Review — Positive implications; action Under Review; effective 21 August 2026. Long-Term Issuer Credit Rating a- u (Excellent); outlook Under Review — Positive implications; action Under Review; effective 21 August 2026. Financial Size Category VIII (USD 100–250 Million). Accessed 2026-09-23.
- At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; Release dated August 9, 2023; paragraphs 93–98; At-Bay Specialty Insurance Company, Cyber and Tech E&O, A- rating statement. Accessed 2026-09-21.
- Claims Handling. At-Bay; Claims team and cyber incident roadmap. Accessed 2026-09-21.
- Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Current product catalogue and policy/coverage qualification. Accessed 2026-09-21.
- Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
Which Coverage Lines Does Spot Document for At-Bay?
Product pages for coverage lines documented for At-Bay.
