--- title: "At-Bay Tech E&O Insurance" description: "Everything to know before buying At-Bay Tech E&O Insurance: what it covers, its limits and retentions, and how to apply." canonical: "https://thegeneralaverage.com/insurance-providers/at-bay/technology-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "at-bay" coverage-line: "technology-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/technology-errors-omissions) ## Agent Guide **What this page is:** What At-Bay Tech 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 Tech E&O Insurance specifically. For the general coverage explainer use /coverage/technology-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does At-Bay Tech E&O Insurance offer this coverage? - What does At-Bay Tech E&O Insurance cover and exclude? - Who is At-Bay Tech E&O Insurance designed for? **Key facts:** - Provider slug `at-bay`; coverage line `technology-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 Tech E&O Insurance from At-Bay Cover? Product: At-Bay Tech E&O Insurance. Provider: At-Bay. Coverage line: Tech E&O Insurance. ## Quick Answer 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [2](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") ## At-Bay Tech E&O Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Coverage Features | Company-reported | 2 | | Limits and Retentions | Company-reported | 1 | | Risk Services | Company-reported | 1 | | How to Apply | Company-reported | 1 | | Claims Support | Not found in reviewed sources | 1 | ## 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](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.) ## What We Couldn’t Find About At-Bay Tech E&O Insurance The reviewed sources do not settle these. Confirm them with At-Bay or a broker before relying on them. - **Claims Support (Not found in reviewed sources):** 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](https://www.at-bay.com/claims/ "Claims Handling") (Scope: 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.) ## How Does At-Bay Compare With Other Tech 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 Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-at-bay) - [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) - [At-Bay vs CFC](https://thegeneralaverage.com/compare/at-bay-vs-cfc) ## Other Coverage Lines From At-Bay - [At-Bay Cyber Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/cyber) - [At-Bay Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/at-bay/professional-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: Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) ## Sources for At-Bay Tech E&O Insurance 1. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23. 2. [Licenses](https://www.at-bay.com/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](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-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](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23. ## How to Cite This Page At-Bay Tech E&O Insurance: Coverage, Limits & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/at-bay/technology-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/technology-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)