At-Bay Insurance Review 2026: InsurSec Cyber Coverage
At-Bay coined a word for its model — InsurSec, insurance plus security — and it means it literally: a cyber policy that ships with managed detection and response, vulnerability scanning, and email-fraud alerts. This is an independent profile from QuoteSweep, which maps the modern commercial insurance landscape. QuoteSweep does not compete with At-Bay.
TL;DR: At-Bay (at-bay.com) is a cyber insurer built on InsurSec — coverage bundled with security services like MDR, vulnerability scanning, and email-fraud alerts. It writes cyber, technology E&O, and miscellaneous professional liability, distributes through brokers, and underwrites on A++ rated capacity tied to Munich Re. Per reporting it raised a $185M Series D at a $1.35B valuation in 2021 and protects 40,000+ policyholders.
What At-Bay is
At-Bay's argument is that the best way to reduce a cyber loss is to close the hole before an attacker finds it. So it packages security services into the policy across three tiers:
- Core — cyber insurance plus vulnerability monitoring, vCISO advisory, email-fraud security, and awareness training
- Advanced — Core plus MDR for endpoints with 24/7 monitoring
- Complete — Advanced plus MDR for email with next-gen security
Policyholders manage it through a single dashboard that combines "vulnerability scanning, dark web monitoring, AI-powered email fraud alerts, and vCISO advisors."
Who At-Bay is for
At-Bay says it protects 40,000+ policyholders, and its case studies skew toward mid-sized technology companies. It fits businesses — especially tech and mid-market firms — that want cyber coverage with real security operations attached, bought through their broker.
Coverage lines
- Cyber — its flagship line, protecting against attacks and minimizing disruption
- Technology E&O — safeguards technology companies from key professional risks
- Miscellaneous Professional Liability — covers negligence claims across professions
What At-Bay reports about itself
From At-Bay's site (company-stated) and third-party sources:
- Model: InsurSec — cyber insurance bundled with tiered security services and MDR
- Distribution: through brokers, via the At-Bay Broker Platform (quote, customize, bind online)
- Licensing (site): a property-and-casualty insurance agency and surplus-lines broker licensed in all 50 states; A++ rated capacity tied to Munich Re's HSB
- Traction (site): 40,000+ policyholders protected
- Funding (third-party): a $185M Series D at a $1.35B valuation in 2021, co-led by Icon Ventures and Lightspeed; roughly $296M total
- Founded: 2016; headquartered in San Francisco
Company-reported figures are not independently audited.
How At-Bay compares
- vs. Coalition: both bundle cyber coverage with security services; At-Bay leans hardest into managed detection & response on Munich Re-backed paper, while Coalition carries a broader product set (executive risks, MPL, AI coverage) and a larger capacity panel.
- vs. a full-stack startup carrier (Corgi): Corgi underwrites a broad startup insurance stack including cyber; At-Bay is a cyber specialist distributed through brokers, with bundled MDR as the hook.
- See the whole category: compare cyber players side by side on the cyber insurtech hub.
Frequently Asked Questions
What is At-Bay's "InsurSec"?
It is At-Bay's term for insurance bundled with security services — MDR, vulnerability scanning, dark-web monitoring, email-fraud alerts, and vCISO advisory — offered in Core, Advanced, and Complete tiers alongside the cyber policy.
Is At-Bay a broker or a carrier?
At-Bay is an insurance agency and surplus-lines broker (a managing general underwriter) licensed in all 50 states, writing on A++ rated capacity tied to Munich Re's HSB. It distributes through brokers rather than direct.
What does At-Bay insure?
Cyber, technology E&O, and miscellaneous professional liability.
How do you buy At-Bay insurance?
Through a broker, who quotes, customizes, and binds on At-Bay's Broker Platform. Premium depends on the business, its security posture, and the coverage selected.
Get a quote from At-Bay
If you want cyber coverage with managed detection & response built in, At-Bay is a leading option to compare — start with the head-to-head against Coalition.
For related coverage explainers, see cyber liability insurance and technology E&O, or compare the full field on the cyber insurtech hub.
Sources: at-bay.com (InsurSec model, products, security tiers, distribution, 50-state licensing, policyholder count); BusinessWire, Bloomberg, and Crunchbase (funding, valuation). Company-reported figures are not independently audited.
