At-Bay Introduces Coverage for Emerging Risks of Direct and Contingent System Failure, and Reputational Harm Resulting from Negative Publicity


Citing the rise of cloud systems downtime events, and the proliferation of publicity on cyber-attacks, At-Bay, the insurance company for the digital age, announces two cutting edge coverage extensions. Direct and Contingent System Failure extends coverage for downtime and network outage events to fill gaps in property and cyber policies. Reputational Harm provides brand protection and reimbursement of loss of income as a result of negative cyber news stories. These are available immediately for all At-Bay brokers and clients.

At-Bay is on a mission to provide our customers with peace of mind to embrace technology. With the dependence on cloud computing, and popularity of social news, we identified and now solved coverage gaps for our customers, said Brett Sadoff, At-Bays head of insurance. Many cyber policies in the market do not provide protection for damages arising from cloud service downtime, especially as it relates to system failure; an issue that is becoming paramount for hundreds of thousands of organizations in the US “ we do. Additionally, while most Reputational Harm coverages are narrow in scope, our solution provides coverage even when the negative news is not factual. This is a real and growing pain in the age of social media in which a malicious actor can cause harm to the reputation of an organization.

At-Bays Direct and Contingent System Failure coverage protects organizations when systems fail unexpectedly, even if the cause was not a cyberattack. Covered risks that could cause unplanned system failure or downtime include human error, software updates and patches, programming errors, and more.

At-Bays Reputational Harm coverage reimburses organizations for loss of income or productivity as the result of damaging cyber news stories. At-Bays coverage goes above and beyond the market standard by providing protection even if the news was completely contrived.

About At-Bay

At-Bay is a cyber insurance provider with underwriting capacity by A++ rated The Hartford Steam Boiler Inspection and Insurance Company (HSB), part of Munich Re. At-Bay provides coverage of up to $10M in all 50 states, for organizations as large as $5Bn across all industry classes. At-Bays dedicated security team actively monitors our clients and finds vulnerabilities before hackers do. The team is available and always on call. At-Bay is backed by LightSpeed Venture Partners and Khosla Ventures. For more information about At-Bay, visit, or contact us at [email protected]

MorĂ¡n Falah
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