At Bay vs Foxquilt: Technology E&O Insurance

Foxquilt lists technology businesses under its broader professional liability product and offers a quote path, with no separate tech form established. At-Bay offers a dedicated Tech E&O policy that carries no warranty exclusion.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

At-Bay’s Tech E&O materials describe appetite and Stance services; availability and services for a particular placement should be confirmed. Foxquilt names technology and creative classes in broader professional E&O.

What Are the Key Differences Between At-Bay and Foxquilt Tech E&O Insurance?

Product failure and contract claims

At-Bay lists published appetite ceilings of up to $5 billion in revenue and $10 million in limits for primary and excess Tech E&O; an individual account remains subject to underwriting. Foxquilt names technology as a class in broader Professional Liability/E&O, . Larger technology companies should ask Foxquilt whether its offering reaches their size and what limit the quote can provide. [5] [7]

Risk services and quote route

At-Bay describes coverage for coding errors, failed implementations, network outages and contractual indemnity, including service credits used to settle a claim. Foxquilt describes financial loss from professional services or advice . Ask Foxquilt directly about service-level agreements, warranties and customer indemnity commitments. [5] [7]

At-Bay describes Stance services including vulnerability monitoring, vCISO advice, tabletop exercises and security training. Ask whether the proposed Foxquilt placement includes any comparable services or requires a separate cyber policy. [5] [7]

What Should You Confirm in At-Bay and Foxquilt Tech E&O Insurance Quotes?

  • Ask At-Bay whether your revenue and desired limit fit its automated or underwriting route; ask Foxquilt for its tech form, maximum limit, contract coverage and included security services. [5] [7]

Areas of coverage

At-Bay

  • role: At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.company-reportedSource ↗Source ↗
  • insurer: The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.company-reportedSource ↗Source ↗
  • coverage: At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. Product-page coverage highlights; the issued policy and endorsements control actual terms.company-reportedSource ↗
  • coverage: At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. Product-page coverage highlights; the issued policy and endorsements control actual terms.company-reportedSource ↗
  • limits: At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.company-reportedSource ↗
  • services: Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.company-reportedSource ↗
  • application: You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.company-reportedSource ↗
  • claims: At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one.not-foundSource ↗

Foxquilt

  • role: Foxquilt lists technology and creative businesses within its broader Professional Liability / E&O product; a separate technology E&O form is not established. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The cited E&O page describes professional-service claims and classifies technology/creative businesses as product audiences; it does not describe a technology-specific coverage grant. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: Technology and creative are named classes on the broader E&O page; underwriting appetite for any specific technology business is not stated. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    At-Bay Begins Issuing Policies on its own E&S Paper

    At-Bay · August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023" · accessed 2026-09-23

  3. 03
    Claims Handling

    At-Bay · At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team · accessed 2026-09-23

  4. 04
    Licenses

    At-Bay · At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table · accessed 2026-09-23

  5. 05
    Tech E&O Insurance Coverage and Policy Highlights

    At-Bay · Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7 · accessed 2026-09-23

  6. 06
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  7. 07
    Professional Liability (E&O)

    Foxquilt · E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. · accessed 2026-09-29

  8. 08
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  9. 09
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  10. 10
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  11. 11
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  12. 12
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

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