At-Bay

At-Bay is an InsurSec company that combines cyber insurance with proactive security monitoring for businesses. Headquartered in New York with offices in San Francisco and Tel Aviv, At-Bay underwrites Surplus Cyber, Surplus Tech E&O, and Surplus Miscellaneous Professional Liability (MPL) coverage and bundles them with the At-Bay Stance security platform (advisory, fraud defense, incident response) and 24/7 Managed Detection and Response (MDR) across endpoint, email (MXDR), and multi-vector surfaces. At-Bay distributes through a network of independent brokers and partners and exposes a production-grade REST Partner API (v2) that lets brokerage platforms, digital distributors, and agency management systems quote, customize, bind, renew, retrieve documents, and receive webhook callbacks for the full policy lifecycle. Demo environment at api-demo.at-bay.com lets partners integrate without going through Broker of Record clearance.

At-Bay publishes 5 API contracts indexed on the APIs.io network, including Documents API, Health API, Policies API, and 2 more. Tagged areas include Insurance, Cyber Insurance, InsurSec, Insurtech, and Tech E&O.

The At-Bay catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

At-Bay’s developer surface includes engineering blog, authentication, documentation, GitHub presence, and 28 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

35.9/100 thin ▬ flat Agent 21/100 agent aware Front door AI 4/6 moderate Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract

Insurance Cyber InsuranceInsurSecInsurtechTech E&OProfessional LiabilityMPLManaged Detection and Response MDR Security Monitoring Email Security Endpoint Security Incident Response Brokerage Quoting Bindings Policy Lifecycle Webhook

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Insurance Distribution Management

BC-2110

Quotes

Policy Administration Management

BC-2140

Policies

POST /policies/{policy_id}/pause-auto-renewal

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 35.9/100 · thin

Contract Quality 11.4 / 19

Developer Ergonomics 6.1 / 15

Access Clarity 2.2 / 15

Operational Transparency 0.5 / 10

Contract Governance 2.5 / 9

Discoverability 5.0 / 8

Regulatory Posture 2.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 14.5 — up to +17.1 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points
Developer Ergonomics scores 40.5 — up to +11.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/at-bay/apis.yml: open an issue on github.com/api-evangelist/at-bay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

At-Bay Documents API

Upload submission documents and download generated policy documents.

At-Bay Health API

API health check.

At-Bay Policies API

Manage bound policies including renewal behavior.

At-Bay Quotes API

Create, poll, and bind insurance quotes.

At-Bay Webhooks API

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

At-Bay Partner Documents API

OPEN COLLECTION

At-Bay Partner Documents Health API

OPEN COLLECTION

At-Bay Partner API

OPEN COLLECTION

At-Bay Partner Documents Policies API

OPEN COLLECTION

At-Bay Partner Documents Quotes API

OPEN COLLECTION

At-Bay Partner Documents Webhooks API

OPEN COLLECTION

At-Bay API pricing

Not yet checked against At-Bay's own pricing page. Compiled by API Evangelist on 2026-05-25 from www.at-bay.com/about/partnerships/; confirm before you rely on a figure.

Plan	Price
Partner API Access partnership	—
Surplus Cyber Insurance insurance-policy	—
Surplus Tech E&O Insurance insurance-policy	—
Surplus MPL Insurance insurance-policy	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

At Bay Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

At Bay Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

At-Bay

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

At Bay Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

At Bay Context

31 classes · 0 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

At-Bay — jsonschema rules

5 rules · 4 warnings 1 info

SPECTRAL

At-Bay API Rules

5 rules · 3 errors 2 warnings

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

At-Bay Policy

13 properties

JSON SCHEMA

At-Bay Quote

10 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

At Bay Quote Structure

0 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

At Bay Create Quote Example

2 fields

EXAMPLE

At Bay Get Quote Example

2 fields

EXAMPLE

At Bay Register Webhook Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

At Bay Authentication

http · 1 scheme

SECURITY

At Bay Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

At Bay Agentic Access

12 operations · 7 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Reference

Reference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMs

LLMs

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Vocabulary

Vocabulary

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

IncidentResponse

IncidentResponse

Contact

Contact

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 8

The organization behind the API

Blog

Website

Partnerships

Newsroom

About

Careers

LinkedIn

Twitter

Twitter

Scroll for all 8

Other 9

Properties that don't map to a standard resource type

CapabilityMap

Brokers

BrokerPlatform

Insurance

CyberInsurance

TechEO

MPL

Stance

MDR

Scroll for all 9

Source (apis.yml)

aid: at-bay
name: At-Bay
description: At-Bay is an InsurSec company that combines cyber insurance with proactive security monitoring for businesses.
  Headquartered in New York with offices in San Francisco and Tel Aviv, At-Bay underwrites Surplus Cyber, Surplus Tech E&O,
  and Surplus Miscellaneous Professional Liability (MPL) coverage and bundles them with the At-Bay Stance security platform
  (advisory, fraud defense, incident response) and 24/7 Managed Detection and Response (MDR) across endpoint, email (MXDR),
  and multi-vector surfaces. At-Bay distributes through a network of independent brokers and partners and exposes a production-grade
  REST Partner API (v2) that lets brokerage platforms, digital distributors, and agency management systems quote, customize,
  bind, renew, retrieve documents, and receive webhook callbacks for the full policy lifecycle. Demo environment at api-demo.at-bay.com
  lets partners integrate without going through Broker of Record clearance.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/at-bay.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-19
tags:
- Insurance
- Cyber Insurance
- InsurSec
- Insurtech
- Tech E&O
- Professional Liability
- MPL
- Managed Detection and Response
- MDR
- Security Monitoring
- Email Security
- Endpoint Security
- Incident Response
- Brokerage
- Quoting
- Bindings
- Policy Lifecycle
- Webhook
tags_raw:
- Insurance
- Cyber Insurance
- InsurSec
- Insurtech
- Tech E&O
- Professional Liability
- MPL
- Managed Detection And Response
- MDR
- Security Monitoring
- Email Security
- Endpoint Security
- Incident Response
- Brokers
- Quoting
- Binding
- Policy Lifecycle
- Webhooks
url: https://raw.githubusercontent.com/api-evangelist/at-bay/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: at-bay:at-bay-documents-api
  name: At-Bay Documents API
  description: Upload submission documents and download generated policy documents.
  humanURL: https://developers.at-bay.com/docs/getting-started
  baseURL: https://api.at-bay.com/v2
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/at-bay-documents-api-openapi.yml
  - type: Documentation
    url: https://developers.at-bay.com/docs/getting-started
  - type: Reference
    url: https://developers.at-bay.com/reference
  - type: LLMs
    url: https://developers.at-bay.com/llms.txt
  - type: JSONSchema
    url: json-schema/at-bay-quote-schema.json
  - type: JSONSchema
    url: json-schema/at-bay-policy-schema.json
  - type: JSONLD
    url: json-ld/at-bay-context.jsonld
- aid: at-bay:at-bay-health-api
  name: At-Bay Health API
  description: API health check.
  humanURL: https://developers.at-bay.com/docs/getting-started
  baseURL: https://api.at-bay.com/v2
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/at-bay-health-api-openapi.yml
  - type: Documentation
    url: https://developers.at-bay.com/docs/getting-started
  - type: Reference
    url: https://developers.at-bay.com/reference
  - type: LLMs
    url: https://developers.at-bay.com/llms.txt
  - type: JSONSchema
    url: json-schema/at-bay-quote-schema.json
  - type: JSONSchema
    url: json-schema/at-bay-policy-schema.json
  - type: JSONLD
    url: json-ld/at-bay-context.jsonld
- aid: at-bay:at-bay-policies-api
  name: At-Bay Policies API
  description: Manage bound policies including renewal behavior.
  humanURL: https://developers.at-bay.com/docs/getting-started
  baseURL: https://api.at-bay.com/v2
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/at-bay-policies-api-openapi.yml
  - type: Documentation
    url: https://developers.at-bay.com/docs/getting-started
  - type: Reference
    url: https://developers.at-bay.com/reference
  - type: LLMs
    url: https://developers.at-bay.com/llms.txt
  - type: JSONSchema
    url: json-schema/at-bay-quote-schema.json
  - type: JSONSchema
    url: json-schema/at-bay-policy-schema.json
  - type: JSONLD
    url: json-ld/at-bay-context.jsonld
- aid: at-bay:at-bay-quotes-api
  name: At-Bay Quotes API
  description: Create, poll, and bind insurance quotes.
  humanURL: https://developers.at-bay.com/docs/getting-started
  baseURL: https://api.at-bay.com/v2
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/at-bay-quotes-api-openapi.yml
  - type: Documentation
    url: https://developers.at-bay.com/docs/getting-started
  - type: Reference
    url: https://developers.at-bay.com/reference
  - type: LLMs
    url: https://developers.at-bay.com/llms.txt
  - type: JSONSchema
    url: json-schema/at-bay-quote-schema.json
  - type: JSONSchema
    url: json-schema/at-bay-policy-schema.json
  - type: JSONLD
    url: json-ld/at-bay-context.jsonld
- aid: at-bay:at-bay-webhooks-api
  name: At-Bay Webhooks API
  description: Register webhook endpoints for asynchronous status callbacks.
  humanURL: https://developers.at-bay.com/docs/getting-started
  baseURL: https://api.at-bay.com/v2
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/at-bay-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developers.at-bay.com/docs/getting-started
  - type: Reference
    url: https://developers.at-bay.com/reference
  - type: LLMs
    url: https://developers.at-bay.com/llms.txt
  - type: JSONSchema
    url: json-schema/at-bay-quote-schema.json
  - type: JSONSchema
    url: json-schema/at-bay-policy-schema.json
  - type: JSONLD
    url: json-ld/at-bay-context.jsonld
common:
- url: https://www.at-bay.com/about/newsroom/
  type: Blog
- type: CapabilityMap
  url: capabilities/at-bay-capability-edges.yml
  name: At-Bay Business Capability Map
- type: AgenticAccess
  url: agentic-access/at-bay-agentic-access.yml
- type: DomainSecurity
  url: security/at-bay-domain-security.yml
- type: Authentication
  url: authentication/at-bay-authentication.yml
- type: Website
  url: https://www.at-bay.com
- type: DeveloperPortal
  url: https://developers.at-bay.com
- type: Documentation
  url: https://developers.at-bay.com/docs/getting-started
- type: Reference
  url: https://developers.at-bay.com/reference
- type: LLMs
  url: https://developers.at-bay.com/llms.txt
- type: Partnerships
  url: https://www.at-bay.com/about/partnerships/
- type: Brokers
  url: https://www.at-bay.com/brokers/
- type: BrokerPlatform
  url: https://www.at-bay.com/brokers/platform/
- type: Insurance
  url: https://www.at-bay.com/insurance/
- type: CyberInsurance
  url: https://www.at-bay.com/insurance/cyber/
- type: TechEO
  url: https://www.at-bay.com/insurance/tech-eo/
- type: MPL
  url: https://www.at-bay.com/insurance/mpl/
- type: Stance
  url: https://www.at-bay.com/stance/
- type: MDR
  url: https://www.at-bay.com/stance/mdr/
- type: IncidentResponse
  url: https://www.at-bay.com/stance/incident-response/
- type: Newsroom
  url: https://www.at-bay.com/news/
- type: About
  url: https://www.at-bay.com/about/
- type: Careers
  url: https://www.at-bay.com/careers/
- type: Contact
  url: https://www.at-bay.com/contact/
- type: Login
  url: https://platform.at-bay.com/
- type: GitHub
  url: https://github.com/at-bay
- type: LinkedIn
  url: https://www.linkedin.com/company/at-bay-insurance
- type: Twitter
  url: https://twitter.com/AtBayInsurance
- type: Plans
  url: plans/at-bay-plans-pricing.yml
- type: RateLimits
  url: rate-limits/at-bay-rate-limits.yml
- type: FinOps
  url: finops/at-bay-finops.yml
- type: Vocabulary
  url: vocabulary/at-bay-vocabulary.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

At-Bay API — frequently asked questions

Does At-Bay have an API?

Yes. APIs.io lists 5 APIs from At-Bay, including At-Bay Documents API, At-Bay Health API and At-Bay Policies API, and 2 more.

Is there an OpenAPI specification for the At-Bay API?

Yes. APIs.io indexes 5 OpenAPI specifications for At-Bay, each linked for download from this page.

How do I authenticate with the At-Bay API?

At-Bay uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as At Bay Authentication.

How much does the At-Bay API cost?

APIs.io lists 4 pricing plans for At-Bay, with each plan's price, limits and inclusions under Pricing on this page.

Is the At-Bay API ready for AI agents?

At-Bay has a Kin Score of 35.9 out of 100 (thin) and an Agent Readiness score of 21.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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