Summary:At-Bay

🛡️ At-Bay is a venture-backed cyber insurtech founded in 2016 that has transitioned from a managing general agent into a full-stack surplus lines carrier rated A- (Excellent) by AM Best, combining underwriting of cyber liability, Technology E&O, and miscellaneous professional liability with proprietary cybersecurity services delivered through its At-Bay Stance platform. The company has raised approximately $296 million in venture funding, achieved a $1.35 billion valuation following its 2021 Series D, and manages over $380 million in gross written premium while protecting more than 40,000 policyholders across over 100 industries. Its InsurSec model — pairing continuous active risk monitoring with insurance — has produced ransomware claim frequency seven times lower than the industry average and gross loss ratios estimated at 30–40%, positioning At-Bay as the fourth-largest standalone cyber insurer in the United States by direct premium.