---
title: "Is At-Bay Legit? Licensing, Carriers and Reliability"
description: "This partial score shows how clearly At-Bay explains its products and services, helping technology buyers identify what to verify in a specific cyber or E&O proposal."
canonical: "https://thegeneralaverage.com/insurance-providers/at-bay/reliability"
page-type: "reliability-article"
updated-at: "2026-09-25"
provider: "at-bay"
content-type: "reliability"
---

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/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is At-Bay Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used.

**Use this page when:** Cite this page to answer whether Is At-Bay Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand.

**Questions this page answers:**
- Is Is At-Bay Legit? Licensing, Carriers and reliable?
- Is Is At-Bay Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is At-Bay Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is At-Bay Legit? Licensing, Carriers and (provider slug `at-bay`).
- Each role is scored against its own rubric; scores are never comparable across rubrics.

**Limits (do not over-claim):**
- A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation.
- Where the page says an assessment is unavailable or partial, no score should be inferred.
- The scored entity may differ from the brand name; read the assessed-entity line before quoting a score.

**Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-25. Methodology at /reliability-score.

**Related pages:**
- [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules
- [Is At-Bay Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/at-bay) — same provider: provider profile: products, coverage lines and sources
- [Is At-Bay Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/at-bay/reviews) — same provider: customer review evidence and Reliability Score
- [Is At-Bay Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/at-bay/alternatives) — same provider: closest alternative providers

# Is At-Bay Legit? Licensing, Carriers and Reliability

This partial score shows how clearly At-Bay explains its products and services, helping technology buyers identify what to verify in a specific cyber or E&O proposal.

## At-Bay Reliability Scores for 2026

- **Role:** Hybrid role

- **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.

**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.**

This partial Broker Reliability 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.

- **Broker Reliability Score:** **5.2/10**
- **Subject:** 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.
- **Role:** Hybrid role
- **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.
- **Assessed:** 2026-09-23
- **Review due:** 2026-10-23
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

**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.**

This partial Carrier & MGA Reliability 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.

- **Carrier & MGA Reliability Score:** **7.1/10**
- **Subject:** 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.
- **Role:** Hybrid role
- **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.
- **Assessed:** 2026-09-23
- **Review due:** 2026-10-23
- **Factor basis:** Partial score; **30%** of this role’s weighting included. Included: Financial Resilience, Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score)

- **Provider profile:** [At-Bay](https://thegeneralaverage.com/insurance-providers/at-bay)

## What Our Research Found About At-Bay

### 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. [Licenses](https://www.at-bay.com/licenses/), [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Licenses](https://www.at-bay.com/licenses/)

### 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. [Best's Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446)

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. [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/), [Best's Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446)

### At-Bay Risk-Bearing Relationships

At-Bay states that Cyber and Tech E&O policies began issuing on At-Bay Specialty Insurance Company paper effective August 7, 2023. The published pages do not map every current At-Bay product, state or account to that carrier, and do not disclose reinsurance terms. [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Claims Handling](https://www.at-bay.com/claims/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)

### 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. [Licenses](https://www.at-bay.com/licenses/)

## At-Bay Licenses and Authority Records

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources |
| --- | --- | --- | --- | --- | --- | --- |
| At-Bay Insurance Services LLC | CA | State license | 0L73812 | P&C and surplus-lines producer entries as displayed by company | Company-published entry; current CDI record not independently established in this record | [Licenses](https://www.at-bay.com/licenses/) |
| At-Bay Insurance Services LLC | DC | State license | 3000238110 | P&C and surplus-lines producer entries as displayed by company | Company-published entry; current regulator record not independently established in this record | [Licenses](https://www.at-bay.com/licenses/) |
| At-Bay Specialty Insurance Company | US | NAIC company code | 19607 | 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 | [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/), [Best's Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446) |

## Regulator Searches for At-Bay

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | company-reported | At-Bay page displays P&C and surplus-lines number 0L73812; current authority is not independently established in this record. | [Licenses](https://www.at-bay.com/licenses/) |
| DC | company-reported | At-Bay page displays P&C and surplus-lines number 3000238110; current authority is not independently established in this record. | [Licenses](https://www.at-bay.com/licenses/) |
| US/DC | company-reported | At-Bay publishes a complete-looking table, but independent record and conduct searches are not established in this record. | [Licenses](https://www.at-bay.com/licenses/) |

## At-Bay Reliability Scores by Factor

### At-Bay Broker Reliability Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Licenses](https://www.at-bay.com/licenses/), [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licenses](https://www.at-bay.com/licenses/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 2.08 | 15% | 5.20 | [Licenses](https://www.at-bay.com/licenses/), [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/), [Claims Handling](https://www.at-bay.com/claims/) |

### At-Bay Carrier & MGA Reliability Score

Included weighting: **30%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Licenses](https://www.at-bay.com/licenses/), [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Claims and Servicing:** The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/), [Claims Handling](https://www.at-bay.com/claims/)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licenses](https://www.at-bay.com/licenses/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Financial Resilience | 2.85 | 20% | 4.75 | [Best's Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446), [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/) |
| Disclosure Clarity | 2.78 | 10% | 2.32 | [Licenses](https://www.at-bay.com/licenses/), [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/), [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/), [Claims Handling](https://www.at-bay.com/claims/) |

## What We Couldn’t Confirm About 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.

## Insurance Terms Related to At-Bay

- [What Is a Full-Stack Insurance Provider?](https://thegeneralaverage.com/insurance-glossary/full-stack-insurance-provider)
- [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating)

## Sources for At-Bay Reliability Research

- [Best's Credit Rating Disclosure Report - At-Bay Specialty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=21446) — 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](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-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](https://www.at-bay.com/claims/) — At-Bay; Claims team and cyber incident roadmap; accessed 2026-09-21.
- [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/) — At-Bay; Current product catalogue and policy/coverage qualification; accessed 2026-09-21.
- [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers; accessed 2026-09-21.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-providers/at-bay/reliability.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)