How At-Bay Meets the Unique Needs of Middle Market Risks

As a full-stack insurance provider, At-Bay has built robust capabilities that are tailor-made to handle large and complex cyber risks. By combining flexible insurance solutions with in-house expertise across claims, underwriting, and cybersecurity, At-Bay supplies Cyber coverage with a personal touch, delivering value that exceeds traditional offerings. Plus, At-Bay’s Cyber and Tech E&O policies include cybersecurity services regardless of where the insured’s policy sits within the risk tower.  

As the leader in InsurSec, At-Bay provides deep technical knowledge, proactive risk management, expert claims handling, and rapid incident response to meet this growing market demand.

Seasoned Underwriters Expertly Place Large and Complex Cyber Risks

I recently joined the team as Head of Middle Market Underwriting after 15 years at a traditional carrier. What attracted me most to At-Bay was the market innovation and reputational expertise our company has been able to build in only six years. Despite being a newer company, At-Bay is strongly positioned to shape the future of the cyber marketplace, especially with larger and more complex risks. Building off of our strong culture of underwriting acumen partnered with meaningful and valuable technology solutions, At-Bay is structured to provide middle market brokers and clients with thoughtful, timely, and creative solutions in this dynamic environment.

At the helm of At-Bay’s Underwriting operations is a leadership team with 100+ years of combined experience underwriting large and complex cyber risks. Many of these individuals, including Kristie Felton, Michael Drummond, Scott Gold, and Rae Haynes, have not only helped build At-Bay from the ground up, but have also helped shape the cyber insurance industry over the course of their careers.

At-Bay’s seasoned underwriters — located across the U.S. to serve businesses in every region across a variety of industries — have honed their ability to structure coverage to meet the specific needs of even the most nuanced cyber risks. They are empowered to make timely decisions at their desk to deliver competitive quotes with exceptional turnaround time.

Robust Insurance Coverages Meet the Unique Needs of Middle Market Businesses

At-Bay provides comprehensive Cyber and Tech E&O insurance coverage on a primary and excess basis for businesses with up to $5B in revenue with aggregate limits up to $10M.

Standard At-Bay Cyber E&S coverages include:

• Pay-on-behalf-of language 
• Broad definitions of triggers and coverages
• Breach costs outside aggregate limit
• Full limits for Bricking, Contingent Business Interruption and Contingent System Failure, Cryptojacking, Utility Fraud, and Reputational Harm
• Sublimits for Contingent Bodily Injury, Non-IT Provider Contingent Business Interruption and System Failure, and HIPAA/PCI Betterment

Additionally, At-Bay’s underwriters tailor solutions to meet the unique business needs of middle market and enterprise clients. Optional coverages include Biometric Privacy Violation coverage, TCPA/CAN-SPAM coverage and manuscript endorsements. 

When it comes to excess risks, At-Bay is a true follow-form provider. Solution-oriented underwriters are always willing to see how an At-Bay policy can fit into the tower to support the larger program without any major changes to the wording of the primary policy.

In-House Claims Team Comprised of Industry Experts Help Clients Recover Fast

With over 4,000 claims handled to date, including high-stakes incidents at Fortune 500 companies, At-Bay’s Claims team has extensive experience navigating complex cyber incidents across various industries. The team has the expertise and authority to manage claims seamlessly and in-house, from start to finish, for all insurance products placed by At-Bay.

Exceptional service is the At-Bay Claims team’s number one priority. They understand the importance of transparent communication and rapid response. Brokers and policyholders alike can expect the following when working with the At-Bay Claims team:

• 24/7 breach coach hotline with in-house staff on-call after hours 
• Automated first-notice-of-loss, ensuring policyholders receive acknowledgment of receipt as soon as they submit, expediting the claims process
• Smaller average caseload per adjuster than the industry average, allowing for more hands-on support
• Industry-leading panel partners, including At-Bay’s own dedicated Digital Forensics and Incident Response (DFIR) team

By coupling in-house claims with in-house DFIR, At-Bay offers efficient and exceptional service to clients. These two teams remain in lock-step from the first notice of an incident through complete resolution. Plus, all information uncovered by At-Bay’s DFIR team is quickly incorporated into our risk model to continuously improve our claims handling and keep At-Bay insureds ahead of emerging threats.

The At-Bay DFIR team includes top talent in the industry, with 75+ years of combined cybersecurity and law enforcement experience. Many of our breach coaches recommend them thanks to their impressive service record and technical expertise, and the team currently handles one in four of At-Bay’s ransomware claims and half of our business email compromise claims. 

InsurSec Approach Integrates Managed Security Services With Insurance Policies

What really differentiates At-Bay within the middle market space is its pioneering InsurSec approach, which integrates in-house technical cybersecurity expertise with innovative insurance products to create a proactive, end-to-end risk management solution. This InsurSec model allows At-Bay to deliver an elevated level of service and protection that traditional carriers often struggle to match.

Importantly, At-Bay offers these cybersecurity services to policyholders regardless of where the company’s policy sits within the risk tower. This means middle market companies can access At-Bay Stance even with an excess Cyber or Tech policy from At-Bay. 

About At-Bay

At-Bay is the InsurSec provider for the digital age. By combining world-class technology with industry-leading insurance, At-Bay was designed from the ground up to empower businesses of every size to meet cyber risk head on. At-Bay Insurance Services, LLC provides insurance protection and security prevention solutions to close to 40,000 businesses in the US, safeguarding up to $800B in collective business revenue, and offers coverage by admitted and non-admitted insurers for Cyber, Technology Errors & Omissions (Tech E&O), and Miscellaneous Professional Liability (MPL). The At-Bay Group also includes an active full-stack insurance company and a cybersecurity company. At-Bay Security offers proprietary cybersecurity solutions including At-Bay Stance Managed Detection & Response (MDR).

All statements for At-Bay, Inc. companies.

At-Bay Insurance Services LLC is a licensed property and casualty insurance agency and surplus lines broker in all fifty states and the District of Columbia. At-Bay offers coverage underwritten by admitted and non-admitted insurers. Surplus lines insurance sold only through licensed surplus lines producers. In California, License #0L73812.