At-Bay works exclusively with wholesale brokers. We work with wholesalers for two main reasons:

  1. Expertise. Wholesale brokers have dedicated cyber and technology insurance experts who understand client risks and the unique value of our offering.
  2. Scale. Wholesale brokers act as "points of aggregation" for the distribution of our product. Wholesalers have high expectations for quality and service, but when At-Bay exceeds those expectations, we are able to serve a large pool of applicants. 

If you have any questions about our distribution model, please email us at

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