Active Cyber Insurance
InsurSec (Cyber + E&S)
Active Cyber Insurance / InsurSec (Cyber + E&S) is a cyber insurance product underwritten by At-Bay Specialty Insurance Company (At-Bay, Inc. (USA)), available in USA. It is aimed at small and medium-sized businesses and mid-market companies. Coverage limits reach up to Up to $10M. Up to $5B revenue threshold.. The policy extends beyond standard cyber liability with Cyber crime / FTF and Tech E&O combined. Policyholders get 11 bundled proactive services — Vulnerability scanning, Training & awareness, Threat intelligence and MDR / EDR, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A- (Excellent) – AM Best. It can be approached directly through the provider.
Product Details§ 01
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 2026 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
Frequently asked questions§ 04
+Who is Active Cyber Insurance / InsurSec (Cyber + E&S) designed for?
Active Cyber Insurance / InsurSec (Cyber + E&S) by At-Bay Specialty Insurance Company targets small and medium-sized businesses and mid-market companies in USA. Geographic scope: Global..
+What proactive security services are included with Active Cyber Insurance / InsurSec (Cyber + E&S)?
The policy bundles 11 proactive services: Vulnerability scanning, Training & awareness, Threat intelligence, MDR / EDR, Email security, Risk assessment, Incident response, Risk platform / portal, Pre-breach advisory, Crisis management and Cyber risk engineering. These preventive services are typically included in the premium.
+Does Active Cyber Insurance / InsurSec (Cyber + E&S) help with NIS2 or DORA compliance?
At-Bay Specialty Insurance Company indicates the following NIS2/DORA support for this product: Not applicable..
+How can I buy Active Cyber Insurance / InsurSec (Cyber + E&S) in USA?
You can approach At-Bay Specialty Insurance Company directly (https://www.at-bay.com/ / security@at-bay.com (Stance Advisory Services)) or via the provider's website. Compare it with alternatives in USA on Ryskly first.