At-Bay Cyber Insurance and Risk Assessment API
At-Bay cyber insurance and risk assessment REST API for brokers, MGAs, and enterprise risk managers to access cyber risk scoring, automated quote generation, policy management, and continuous cyber risk monitoring for SMB and mid-market businesses — enabling automated cyber insurance underwriting, real-time security posture assessment, digital footprint scanning, and policy lifecycle management through At-Bay's data-driven cyber insurance platform. Enables AI agents to manage risk assessment for automated cyber security posture scoring automation, handle quote generation for cyber insurance pricing automation, access policy management for cyber coverage lifecycle automation, retrieve risk monitoring for continuous cyber threat intelligence automation, manage renewal for cyber policy renewal automation, handle claims data for cyber incident reporting automation, access digital footprint for internet-exposed asset scanning automation, retrieve security alerts for policyholder risk notification automation, manage broker workflow for cyber insurance placement automation, and integrate At-Bay with broker management systems, risk platforms, and enterprise security tools for cyber insurance automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Cyber insurance. State DOI. API key + OAuth2. US. Business security posture and insurance policy data.
⚡ Reliability
Best When
A cyber insurance broker, MGA, or enterprise risk manager wanting AI agents to automate cyber risk scoring, generate quotes, monitor security posture, and manage cyber insurance policy lifecycle through At-Bay's data-driven cyber underwriting platform.
Avoid When
BROKER OR PARTNER REQUIRED: At-Bay distributes through licensed insurance brokers and MGAs; automated direct insurer access assumption creates distribution_channel_required; automated must be licensed broker or At-Bay distribution partner for API access. STATE INSURANCE REGULATIONS: At-Bay operates under state insurance department regulations in each US state; automated uniform national insurance assumption creates state-specific regulatory variation; automated must understand state-specific cyber insurance regulations. RISK SCANNING REQUIRES CONSENT: At-Bay scans business's internet-exposed assets for risk assessment; automated scanning-without-consent assumption creates potential unauthorized scanning issue; automated must ensure appropriate consent and scope for security scanning. UNDERWRITING DECISIONS REQUIRE HUMAN REVIEW: At-Bay's AI underwriting is advisory; automated guaranteed quote acceptance assumption creates potential declined application for high-risk businesses; automated must handle declined or referred underwriting outcomes.
Use Cases
- • Generating automated cyber insurance quotes based on business risk scanning for broker automation agents
- • Monitoring policyholder cyber security posture for continuous risk assessment and alert notification automation agents
- • Managing cyber insurance policy lifecycle including renewals and endorsements for MGA automation agents
- • Integrating At-Bay cyber risk scores with enterprise risk management platforms for security posture reporting automation agents
Not For
- • Personal individual cyber insurance (At-Bay focuses on SMB and mid-market business cyber)
- • Property and casualty lines beyond cyber (At-Bay specializes in cyber and tech E&O)
- • Self-service consumer insurance portals (At-Bay is broker and MGA distribution channel)
Interface
Authentication
At-Bay uses API key + OAuth2 for broker API authentication. REST API with JSON. San Francisco, CA HQ. Founded 2016 by Rotem Iram and Roman Itskovich. Products: Cyber insurance, tech E&O, internet scanning risk assessment, continuous monitoring, policy management, claims. SDKs: None public. A-rated carrier (backed by Munich Re). $100M+ ARR unicorn. US market focus. Competes with Coalition for SMB cyber insurance.
Pricing
San Francisco CA. A-rated carrier. Broker distribution. Munich Re backed. SMB and mid-market cyber.
Agent Metadata
Known Gotchas
- ⚠ BROKER LICENSE REQUIRED: At-Bay API requires licensed insurance broker or MGA partnership; automated direct-to-insurer API access assumption creates distribution_channel_required; automated must be licensed insurance distributor before API access
- ⚠ INTERNET SCANNING IS CORE FEATURE: At-Bay's underwriting uses automated internet scanning of business domains and IP addresses; automated manual-only risk assessment assumption misses At-Bay's risk differentiation; automated should provide accurate business domain/IP data for best risk scoring
- ⚠ STATE-SPECIFIC PRODUCTS: Cyber insurance products vary by US state (availability, forms, rates); automated single national product assumption creates state_not_available for some markets; automated must check state availability for each submission
- ⚠ DECLINED UNDERWRITING MUST BE HANDLED: At-Bay's AI underwriting may decline high-risk businesses; automated guaranteed issuance assumption creates unhandled declined application; automated must implement workflow for declined or referred applications
- ⚠ CONTINUOUS MONITORING ALERTS ARE ASYNC: At-Bay policyholder monitoring generates async alerts when risks change; automated one-time-assessment assumption misses ongoing risk changes; automated must implement webhook handler for policyholder security alerts
Alternatives
Full Evaluation Report
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Scores are editorial opinions as of 2026-03-07.