At-Bay
At-Bay is a US InsurSec provider combining cyber, Tech E&O, and professional liability insurance with an embedded Stance security platform and 24/7 MDR, serving 40,000+ SMB and mid-market policyholders through licensed brokers across all 50 states.
- Company typePrivate
- Founded2016
- HeadquartersMountain View, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What At-Bay does
At-Bay, Inc. is a US-based InsurSec provider founded in 2016 that combines cyber insurance with an integrated security platform, operating primarily through independent insurance brokers licensed across all 50 states plus the District of Columbia. The company underwrites three core insurance products — CyberProtect (cyber), Tech E&O, and Miscellaneous Professional Liability — for SMB, mid-market, and enterprise customers, and embeds its At-Bay Stance unified security platform within policies to provide vulnerability scanning, dark web monitoring, AI-powered email fraud detection (Fraud Defense), vCISO advisory, and security awareness training. Optional 24/7 Managed Detection and Response services for Endpoint, Email, and extended surfaces (MXDR) are sold separately through subsidiary At-Bay Security, LLC, with published pricing of $16/user/month for MDR Endpoint and $25/user/month for Endpoint plus Email, and adopters qualify for premium credits and coverage enhancements such as reduced ransomware retention and up to $1M financial fraud sub-limits. At-Bay monetizes via recurring insurance premiums, subscription-based MDR, and tiered InsurSec Packages (Core, Advanced, Complete), and reports $60B in risk under management across 40,000+ policyholders and 1.5 million monitored assets. As of August 2024, annual net revenue had surpassed $110M; the company has raised approximately $276M in disclosed funding (most recently a $205M Series D in October 2021 at a $1.35B valuation) and carries an AM Best A- (Excellent) financial strength rating reaffirmed in August 2025.
At-Bay firmographics
Firmographics- Name
- At-Bay
- Legal name
- At-Bay, Inc.
- Website
- https://at-bay.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- At-Bay is a US InsurSec provider combining cyber, Tech E&O, and professional liability insurance with an embedded Stance security platform and 24/7 MDR, serving 40,000+ SMB and mid-market policyholders through licensed brokers across all 50 states.
- Ownership category
- akta.pro rank
At-Bay industry classification
Industry- Product category
- Cyber Insurance
- NAICS
- Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524), Security Systems Services (56162)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Technology Errors & Omissions (Tech E&O) / Professional Liability (FSAJAOAC)
- akta.pro secondary industries
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Fraud Risk & Financial Crime Controls Advisory (BPAKADAL)
Keywords
Where At-Bay is headquartered
LocationHeadquarters
- HQ city
- Mountain View
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
At-Bay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Cyber Insurance Premiums: At-Bay underwrites cyber insurance policies covering cyberattacks, data breaches, network security failures, and cyber extortion. Revenue generated from insurance premiums paid by policyholders.
- Tech E&O Insurance: Technology Errors & Omissions insurance protecting technology companies against claims of negligence, professional errors, and inadequate work.
- Miscellaneous Professional Liability (MPL): Professional liability coverage protecting a wide range of professions from claims of negligence.
- Stance MDR Security Services: Managed Detection and Response services sold separately through At-Bay Security, LLC. Includes MDR for Endpoint at $16/user/month and MDR for Email. Also available as MXDR (Managed Extended Detection and Response) for comprehensive coverage.
- Premium Credits for MDR Adoption: Qualified policyholders who implement an approved MDR solution may be eligible for premium credits on their insurance policy, creating a bundled value proposition.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Core Package - Foundational Cyber Protection |
| Subscription | Monthly | Advanced Package - Enhanced Ransomware Protection |
| Subscription | Monthly | Complete Package - Ransomware & Financial Fraud Protection |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
At-Bay product offering
Product offeringCore offering
At-Bay is an InsurSec provider that underwrites cyber, technology errors & omissions (Tech E&O), and miscellaneous professional liability (MPL) insurance policies, bundled with the At-Bay Stance unified security platform that embeds vulnerability monitoring, dark web monitoring, AI-powered email fraud alerts, vCISO advisory, and security awareness training. Optional 24/7 Managed Detection and Response (MDR) services for endpoint, email, and extended environments are sold separately through subsidiary At-Bay Security, LLC.
Product overview
At-Bay operates as an InsurSec provider combining cyber insurance with integrated security services. The core product portfolio includes three insurance products (CyberProtect, Tech E&O, and MPL) backed by the At-Bay Stance unified security platform. Stance provides vulnerability monitoring, AI-powered Fraud Defense, Security Awareness Training, and Advisory Services to all policyholders at no additional cost. Optional MDR services (Endpoint, Email, and MXDR) are available as separate purchases through At-Bay Security LLC. These stack into three InsurSec packages—Core (foundational coverage with embedded security), Premium (adds MDR for Endpoint with enhanced ransomware protection), and Complete (adds MDR for Email with full financial fraud protection). The company also offers standalone tools including Cyber Risk Calculators and a Broker Platform for quote/bind functionality.
Differentiator
Problem solved
Functional benefit
Brands
- At-Bay Stance: Unified security platform providing vulnerability scanning, dark web monitoring, AI-powered email fraud alerts, vCISO advisors, and employee security awareness training.
- Stance MDR
- At-Bay Stance Advisory Services
- At-Bay Stance Fraud Defense
Products and services
- CyberProtect (Cyber Insurance) Cyber insurance coverage for businesses against cyberattacks, data breaches, ransomware, network security failures, cyber extortion, and financial fraud. Distributed via independent brokers and underwritten by At-Bay's carrier with an A- AM Best rating.
- Tech E&O Insurance Technology Errors & Omissions insurance protecting technology companies against claims of negligence, professional errors, software failures, and inadequate work. Includes an enhanced Tech E&O Experience to expedite quoting.
- MPL (Miscellaneous Professional Liability) Miscellaneous Professional Liability insurance protecting a wide range of professions from claims of negligence in professional services delivery.
- At-Bay Stance Unified Security Platform Unified security platform included with At-Bay cyber insurance policies, delivering vulnerability scanning, dark web monitoring, AI-powered email fraud alerts, vCISO advisory services, security awareness training, and incident response coordination. Backed by Active Risk Monitoring from 1.5 million monitored assets.
- MDR for Endpoint Endpoint detection and response upgrade providing sophisticated endpoint protection, 24/7 monitoring, ransomware defense, and full remediation, priced at $16/user/month via At-Bay Security, LLC.
- MDR for Email Next-generation AI-powered email security with 24/7 monitoring to quickly identify threats in inbox and respond on behalf of clients.
- MXDR (Managed Extended Detection and Response) Comprehensive threat detection, response, and remediation across all attack surfaces for mid-market and small businesses, sold through At-Bay Security, LLC.
- At-Bay Stance Fraud Defense AI-powered email security that flags suspicious emails to prevent financial fraud; activation unlocks up to $500K in financial fraud sub-limits on At-Bay cyber policies.
- At-Bay Stance Advisory Services On-demand access to security experts (including vCISOs) for tailored analysis, strategic advice, and custom-built tabletop exercises, vulnerability assessments, and incident response planning.
- Response & Recovery In-house incident response team providing ransomware negotiation, digital forensics, and recovery support to help businesses resume operations after security breaches, available to policyholders.
- Broker Platform Online platform for insurance brokers to obtain quotes, customize, and bind cyber, Tech E&O, and MPL insurance policies in minutes, with automatic quote contingencies.
Quantifiable outcome
- Policyholders are up to 5X less likely to experience ransomware compared to industry average
- +6 more outcomes
Companies that use At-Bay
Customer profileNamed customers14 records
Segments4 records
Ideal customer profiles3 records
At-Bay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature4 records
At-Bay partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- CrowdStrikecoreCrowdStrike and At-Bay partnered to boost cyber resilience among SMBs. The partnership leverages CrowdStrike's endpoint protection technology within At-Bay's InsurSec platform, with joint go-to-market activities targeting small and medium businesses.
- Swiss ReminorSwiss Re collaborated with Cowbell in August 2023 as part of industry partnerships to expand cyber insurance offerings. While not a direct At-Bay partner, Swiss Re is noted as an industry collaboration in the cyber insurance market.
- RelayminorAt-Bay acquired Relay, a digital marketplace for specialty insurance, to enhance digital distribution and broker services. Relay continues as an independent entity following the acquisition.
- MicrosoftminorStrategic collaboration between Microsoft and At-Bay in the cyber insurance market, with Microsoft providing technology platform support and At-Bay providing cyber insurance products.
Scale indicators16 records
Recent moves7 records
Expansion highlights6 records
At-Bay competitors and assessment
Company assessmentDirect peers
- Coalition: Coalition is the closest direct competitor, offering cyber insurance with integrated security scanning and active monitoring for SMBs and mid-market companies. Operates a similar InsurSec-style model combining insurance underwriting with continuous attack surface assessment.
- Cowbell Cyber: Cowbell provides AI-powered cyber insurance for SMBs and middle market, with risk engineering services embedded in policies. Directly competes with At-Bay in broker-distributed cyber coverage for similar customer segments.
- Resilience: Resilience offers cyber insurance paired with security solutions and risk quantification, targeting mid-market and enterprise. Operates a comparable InsurSec approach with both underwriting and security service capabilities.
- Corvus Insurance: Corvus (acquired by Travelers in 2024) was a direct competitor in the SMB/mid-market cyber insurance space, blending insurance with proprietary security scanning and risk insights. Now part of a major incumbent carrier, intensifying competition for At-Bay.
Broad incumbents
- Tokio Marine HCC: Tokio Marine HCC is a major specialty insurance carrier with a sizable cyber practice targeting mid-market and enterprise. Competes with At-Bay on cyber liability and Tech E&O lines from a much larger balance sheet.
- Beazley: Beazley is a specialty insurer with a leading cyber and Tech E&O practice serving both SMB and large enterprise. Its scale and broader portfolio make it a key incumbent competitor to At-Bay's insurance products.
- Hiscox: Hiscox has one of the more established cyber insurance books among specialty insurers, with small business focus and dedicated cyber claims services. Overlaps with At-Bay in SMB cyber liability distribution.
- Travelers: Travelers is a major P&C carrier with cyber coverage as part of a broad commercial offering; its 2024 acquisition of Corvus deepens its InsurSec capability and broadens competition with At-Bay across customer segments.
- AIG: AIG offers cyber insurance as part of its global specialty and financial lines portfolio. At-Bay hired Ken Riegler from AIG to lead its insurance business, indicating direct competition for talent and accounts at the enterprise end.
Others
- CrowdStrike: CrowdStrike is an endpoint security platform partner of At-Bay (and a competitor for embedded MDR-like offerings). Comparable as an ecosystem participant enabling At-Bay's MDR stack and as an adjacent InsurSec-style partner in the market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
At-Bay social profiles
Digital presenceAt-Bay compliance and trust
Trust signalCompliance2 records
At-Bay financial estimates
Financial estimateRevenue estimate
Valuation estimate
At-Bay leadership team
Management profileNumber of profiles
Profiles10 records
At-Bay subsidiaries and ownership
Company hierarchySubsidiaries2 records
At-Bay funding detail
Funding detailFunding overview
Funding rounds8 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
At-Bay M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about At-Bay
What does At-Bay do?
At-Bay is an InsurSec provider that underwrites cyber, technology errors & omissions (Tech E&O), and miscellaneous professional liability (MPL) insurance policies, bundled with the At-Bay Stance unified security platform that embeds vulnerability monitoring, dark web monitoring, AI-powered email fraud alerts, vCISO advisory, and security awareness training. Optional 24/7 Managed Detection and Response (MDR) services for endpoint, email, and extended environments are sold separately through subsidiary At-Bay Security, LLC.
Is At-Bay a public or private company?
At-Bay is a private company. It is classified as venture growth investor backed and is currently operating.
When was At-Bay founded?
At-Bay was founded in 2016. It employs 251 to 500 people.
Where is At-Bay based?
At-Bay is headquartered in Mountain View, United States, in the North America region.
How does At-Bay make money?
Five revenue lines are on record. Cyber Insurance Premiums are the primary driver. The others are tech E&O Insurance, miscellaneous Professional Liability (MPL), stance MDR Security Services and premium Credits for MDR Adoption.
Who are At-Bay's main competitors?
Direct peers on record are Coalition, Cowbell Cyber, Resilience and Corvus Insurance. Broad incumbents are Tokio Marine HCC, Beazley, Hiscox, Travelers and AIG. CrowdStrike is listed as an others.
Does At-Bay have an API?
No public API is recorded for At-Bay.
What industry is At-Bay in?
At-Bay's product category is Cyber Insurance. Its primary akta.pro industry code is FSAJAOAC, Technology Errors & Omissions (Tech E&O) / Professional Liability, with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 52421 and its SIC code is 6331.