At Bay vs Vouch: Professional Liability / E&O Insurance

Vouch is a broker for professional-services firms in accounting, architecture, IT and marketing, with an online Get Started flow. At-Bay is not a broker here: it markets its own miscellaneous professional liability, up to $5 million, aimed at licensed insurance professionals.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Areas of coverage

At-Bay

  • role: At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.company-reportedSource ↗Source ↗
  • insurer: The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper.not-foundSource ↗Source ↗
  • eligibility: At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.company-reportedSource ↗
  • coverage: At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.company-reportedSource ↗
  • limits: At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.company-reportedSource ↗
  • application: At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.company-reportedSource ↗Source ↗

Vouch

  • role: Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. Vouch's Professional Services page and Corix's cyber/E&O product page.company-reportedSource ↗Source ↗
  • insurer: Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. Corix disclosures page.company-reportedSource ↗
  • eligibility: Vouch markets professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant.company-reportedSource ↗
  • coverage: Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗
  • limits: Neither the Vouch nor Corix pages publish E&O policy limits or retentions. Pages checked on 2026-09-23.not-disclosedSource ↗Source ↗
  • application: Corix's E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. Corix product page and Vouch site navigation.company-reportedSource ↗Source ↗

What Are the Key Differences Between At-Bay and Vouch Professional Liability (E&O) Insurance?

Check How Your Industry Is Grouped

Vouch lists accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agencies among its E&O segments. At-Bay describes eligibility by revenue and limit rather than named industry groups. If your work spans design and construction, ask Vouch how each service is treated; ask At-Bay whether your operations meet its appetite. [11] [4]

Confirm Which Carrier Applies

Vouch’s Corix program names two potential insurers for its proprietary E&O products, but a specific quote may use a different partner. At-Bay’s MPL page does not name the issuing insurer. Ask for the actual carrier on your application before comparing terms. [6] [4]

Start the Quote

Vouch routes buyers through its broker process and may use Corix’s application; At-Bay accepts submissions through its Broker Platform. Ask which route applies to your business and what documents are required. [5] [2]

What Should You Confirm in At-Bay and Vouch Professional Liability (E&O) Insurance Quotes?

  • Ask Vouch whether Corix or another partner will place the policy and which insurer will issue it. [6]
  • Ask At-Bay which carrier it proposes and whether your business meets its appetite. [4]
  • Request actual limits, retentions, exclusions and premiums from both. [11] [4]
  • If your work includes construction and design, confirm which services and contracts are covered. [11]

Vouch lists architecture, engineering and construction firms as E&O buyers; At-Bay offers general MPL for businesses of any revenue size up to $5 million.

Sources reviewed

  1. 01
    At-Bay Doubles Miscellaneous Professional Liability Appetite

    At-Bay · September 28, 2023 release: final paragraph before Media Contacts · accessed 2026-09-16

  2. 02
    Broker Platform

    At-Bay · How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs · accessed 2026-09-16

  3. 03
    Licenses

    At-Bay · Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC · accessed 2026-09-16

  4. 04
    MPL Insurance: Coverage Highlights & Appetite

    At-Bay · MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals" · accessed 2026-09-23

  5. 05
    Cyber and Errors & Omissions

    Corix Insurance · Errors & Omissions insurance provided by Corix helps protect businesses for claims of negligence, mistakes, or inadequate work that causes a financial loss to clients, in the provision of professional services. It includes legal defense costs and damages awarded, even when the claim is groundless. · accessed 2026-09-23

  6. 06
    Legal Disclosures

    Corix Insurance · Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537). · accessed 2026-09-23

  7. 07
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  8. 08
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  9. 09
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  10. 10
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

  11. 11
    Insurance for Professional Services Firms

    Vouch · Expertise across professional services: Accounting & Finance, Architecture/Engineering/Construction, IT Consulting, Management Consulting, Marketing & Creative Agencies; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers' Compensation · accessed 2026-09-23

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