Excess Coverage

At-Bay’s excess insurance policies for Cyber and Technology E&O are enhanced with active risk monitoring services to help insureds avoid loss before it happens.

Coverage Highlights

  • Drop down capabilities over social engineering sublimits, systems failure, contingent business interruption, and more
  • All excess policies are enhanced with our modern risk management services, at no additional cost

Excess Appetite

At-Bay's excess cyber and tech E&O policies offer up to $10 million in limits to businesses up to $5 billion in revenue, in most classes of business.

*At-Bay does not insure businesses in the gambling, cannabis, and adult entertainment industries.

Up to

$10M

In limits

Up to

$5B

In revenue

Excess Appetite

At-Bay's excess cyber and tech E&O policies offer up to $10 million in limits to businesses up to $5 billion in revenue, in most classes of business.

*At-Bay does not insure businesses in the gambling, cannabis, and adult entertainment industries.

Active Risk Monitoring

Every excess policy includes At-Bay’s active risk monitoring services, helping your clients adapt to new and changing threats throughout the duration of the policy.

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Level Up on Excess

Insights and learnings to empower brokers to be an expert on excess policies.

Highlights & Coverage

Broker Document

Highlights & Coverage
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At-Bay's Preferred Cyber Response Partners

Broker Document

At-Bay's Preferred Cyber Response Partners
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Estimating an Organization's Cyber Risk

Article

Estimating an Organization's Cyber Risk
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Backed by the Most Trusted Names in Insurance

Backed by the Most Trusted Names in Insurance

As a Managing General Underwriter (MGU), At-Bay underwrites insurance policies through HSB Specialty Insurance Company, rated A++ by A.M. Best Company and part of Munich Re.

Frequently Asked Questions about our excess coverage

  • Do you write excess over most cyber carriers?

    We can consider excess over major cyber markets. If you have a particular primary market you’d like an excess over, please reach out to your regional underwriter for confirmation that we can follow that specific form.

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  • Can you provide over-hanging limits?

    At-Bay prefers to match the primary limit in most cases, but we often write small increments of increased limit in our layer like a $3M xs. $2M. If you have a less-traditional limit structure you need an excess market for, we can consider it and try to get creative on the right account.

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  • Can you provide excess on standalone first-party coverages?

    Yes. Some insureds face contracts with different insurance requirements for first and third party limits, so we get this request from brokers often. We can provide excess coverage for one or the other over a primary policy and include non-follow language for the coverages where excess isn’t needed.

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  • What are At-Bay’s restricted classes?

    At-Bay does not insure businesses in the gambling, cannabis, and adult entertainment industries. Other restricted classes include MSP/MSSPs, debt collectors, and payment processing companies.

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Get a Quote Right Now

Get a Quote Right Now

Talk to our underwriting team to explore excess with At-Bay