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What Does Tech E&O Insurance from At-Bay Cover?

At-Bay offers primary and excess Tech E&O insurance to businesses with up to $5 billion in revenue and limits up to $10 million, with its Stance security platform included.

At-Bay Tech E&O Insurance · Updated

What Is At-Bay’s Role in Tech E&O Insurance?

  • At-Bay places Tech E&O 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) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3

    Company-reported.Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.

Who Issues At-Bay Tech E&O Insurance?

  • The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. 1,3

    Company-reported.Tech E&O 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 Tech E&O Insurance Include?

  • At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. 1

    Company-reported.Product-page coverage highlights; the issued policy and endorsements control actual terms.

  • At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. 1

    Company-reported.Product-page coverage highlights; the issued policy and endorsements control actual terms.

What Limits and Retentions Does At-Bay Tech E&O Insurance Have?

  • At-Bay says it writes primary and excess Tech E&O 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

    Company-reported.Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.

What Risk Services Come With At-Bay Tech E&O Insurance?

  • Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. 1

    Company-reported.Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.

How Do You Apply for At-Bay Tech E&O Insurance?

  • You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1

    Company-reported.Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

How Does At-Bay Handle Tech E&O Insurance Claims?

  • At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. 4

    Not found in reviewed sources.Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one.

At-Bay Tech E&O Insurance Compared With Other Providers

Other Coverage Lines Documented for At-Bay

Sources for At-Bay Tech E&O Insurance

  1. Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
  2. 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. 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. At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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