At-Bay Specialty Insurance Company (At-Bay, Inc. (USA))

Active Cyber Insurance
InsurSec (Cyber + E&S)

by At-Bay Specialty Insurance Company
B2BA-DirectGlobalEnglish
Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Bespoke (up to $5B revenue threshold).
Min Premium / Revenue
SME from $25M revenue (API); mid-market up to $5B.
Market Focus
SME and mid-market.
Coverage
Cyber crime / FTF, Tech E&O combined
AM Best Rating
A- (Excellent) – AM Best (At-Bay Specialty Insurance Company, stable)
MGA / Direct
No – Direct insurer (full-stack carrier).
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global.
Broker Only
No

Advantages & Limitations§ 02

Advantages

  • E&S lines P&C carrier (Delaware-domiciled); also admitted paper available.
  • InsurSec model: full-stack cyber insurance company + independent cybersecurity division (At-Bay Stance) under one roof.
  • At-Bay Stance MDR: Managed Detection & Response (MDR) platform — available as optional add-on (not required for insurance).
  • At-Bay Stance Advisory Services (July 2025 catalog, 14 services across 6 categories): complimentary advisory suite for eligible policyholders (Embedded Security Endorsement); request via security@at-bay.com.
  • — Foundational: Stance onboarding, Cyber maturity assessment and roadmap, Virtual CISO consultation.
  • — Vulnerability management: Vulnerability assessment (endpoint/cloud/identity), Vulnerability mitigation support.
  • — Endpoint protection: Security coverage gap assessment, Threat hunt / compromise assessment.
  • — Email security: Email threat assessment (SEG config review + supplemental tooling).
  • — Access control: Identity monitoring risk assessment (Entra ID / Active Directory privilege and MFA gaps).
  • — Security education and training: Cybersecurity training support (enterprise rollout planning).
  • — Resilience: Tabletop incident response exercise, Backup assessment, Third-party risk assessment, Financial fraud assessment.
  • Coverage: ransomware (zero retention option), data breach, BI, funds transfer fraud (zero retention option), Tech E&O, Miscellaneous Professional Liability.
  • ~40,000 clients; >$800B collective revenue insured; 100+ industries.
  • Revenue up to $5B; SME and mid-market focus.
  • Backing: Munich Re Ventures, Khosla Ventures, Acrew Capital, Lightspeed and others.

Limitations

  • E&S carrier primarily; some admitted states available.
  • US-focused.

Contact & Response§ 03

24/7 Crisis Hotline
24/7 in-house IR team.