At-Bay AI Visibility Market Strategy Report - Cyber Insurance

Answer Capsule

At-Bay holds 7.14% valid recommendation coverage in the October 2026 cyber insurance AI visibility benchmark, down 10.4 points from its July 2026 baseline of 17.5%. The brand appears in 14.29% of qualified AI responses but converts that presence into a top-three recommendation just 1.19% of the time, and it recorded no rank-one placements in October 2026. The clearest weakness is recommendation conversion: At-Bay is mentioned at a moderate rate but is rarely shortlisted. The clearest opportunity is rebuilding top-three placement frequency in the brand recommendation cluster, where competitors have absorbed the positions At-Bay held in July 2026.

Who This Report Is For

This report is for At-Bay's marketing, communications, and distribution leadership, and for broker and partner teams who need to understand how AI systems currently position the brand when buyers ask for cyber insurance recommendations.

Report Card

Executive Summary

At-Bay's position in the October 2026 cyber insurance benchmark is defined by a widening gap between presence and recommendation. The brand appeared in 14.29% of qualified AI responses, but its valid recommendation coverage was 7.14%, meaning roughly half of the responses that mention At-Bay do not place it in a recommendation shortlist.

The benchmark classifies At-Bay as a significant decliner across the July to October 2026 series. Valid recommendation coverage fell 10.4 points from 17.5% in July 2026 to 7.14% in October 2026. The movement from September 2026's 13.2% represented a further 6.1-point decline. At-Bay recorded 12 valid recommendations in October 2026, down from 40 in July 2026.

The decline is concentrated in placement quality rather than raw visibility. Raw mention presence fell 5.4 points to 14.29% from 19.7% in July 2026, a move within normal month-to-month variation. Top-three placements fell 3.6 points to 1.19% from 4.8%, and rank-one placements moved from 0.4% in July 2026 to 0.00% in October 2026. The brand is being mentioned at a somewhat lower rate, but its conversion into high-placement recommendations has contracted more sharply.

At-Bay's strongest platform signal in October 2026 came from Google AI Overviews, where it recorded a 9.8% valid recommendation coverage rate and a 3.9% top-three rate. Its weakest signals came from Perplexity, where it recorded zero mentions across 25 observations, and from ChatGPT and Copilot, where it recorded no top-three placements despite appearing in qualified responses.

The brand's net sentiment score was 0.5417, the second-lowest among tracked brands. At-Bay recorded 13 positive mentions, 11 neutral mentions, and zero negative mentions. The absence of negative framing is a positive signal, but the relatively high share of neutral mentions suggests At-Bay is often referenced as context rather than recommended as a choice.

The clearest competitive displacement pattern is at the top of the category. Travelers and Chubb hold 64.3% and 63.1% valid recommendation coverage respectively, and Chubb alone recorded a 32.14% rank-one rate. At-Bay's 1.19% top-three rate places it ninth among ten tracked brands, ahead only of Cowbell Cyber.

What At-Bay Is Winning

Questions This Section Answers

• What does At-Bay's zero negative mentions across 24 mentions indicate about how AI systems frame the brand?
• Which platform is At-Bay actually converting into top-three recommendations?

At-Bay's evidence-backed wins in the October 2026 benchmark are narrow but real.

The brand recorded zero negative mentions across 24 total mentions. Every mention was classified as either positive or neutral. This absence of negative framing is a meaningful signal in a category where cautionary or comparison-anchor mentions are common.

At-Bay's strongest platform by recommendation behavior was Google AI Overviews. The brand recorded a 9.8% valid recommendation coverage rate and a 3.9% top-three rate on that platform, with 5 valid recommendations across 51 observations. This was the only platform where At-Bay achieved any top-three placement in October 2026.

The brand also maintained a positive net sentiment score of 0.5417, indicating that when At-Bay is mentioned, the framing is more often positive than neutral. This suggests the brand's public evidence layer supports favorable characterization even when recommendation placement is weak.

These wins are modest relative to the category leaders. At-Bay does not hold a dominant position on any platform, cluster, or prompt type in the October 2026 data.

Where At-Bay Has the Clearest AI Visibility Gaps

Questions This Section Answers

• How large is the gap between At-Bay's raw mention presence and its valid recommendation coverage?
• Which competitors absorbed the top-three placements At-Bay held in July 2026?

At-Bay's clearest gap is recommendation conversion. The brand appears in 14.29% of qualified responses but achieves a valid recommendation in only 7.14%. This means approximately half of the AI responses that mention At-Bay do not place it in a recommendation shortlist.

The gap widens further at the top of the recommendation stack. At-Bay's top-three rate was 1.19% in October 2026, down from 4.8% in July 2026. The brand recorded only 2 top-three placements across 168 qualified observations. By comparison, Coalition recorded 25 top-three placements, Hiscox Usa recorded 19, and AIG recorded 14.

Rank-one placement is effectively absent. At-Bay recorded zero rank-one recommendations in October 2026, down from 0.4% in July 2026. The brand has not been the first recommended option in any qualified observation during the reporting month.

Platform-level gaps are pronounced. On Perplexity, At-Bay recorded zero mentions across 25 observations. On ChatGPT, the brand appeared in 13.6% of responses but recorded no top-three placements. On Copilot, At-Bay appeared in 15.8% of responses but again recorded no top-three placements. The brand's recommendation strength is concentrated almost entirely on Google AI Overviews.

The competitive displacement pattern is clear. At-Bay's July 2026 top-three placements have not been replaced. The brands that gained recommendation coverage across the series, including AIG (up 12.5 points) and Hiscox Usa (up 26.8 points), now occupy positions that At-Bay held at the baseline. Coalition held its 25.0% coverage steady, and Travelers and Chubb consolidated their leadership positions.

Biggest Opportunity

Questions This Section Answers

• Which prompts and platforms offer At-Bay the clearest path from neutral mention to top-three recommendation?
• How much could converting neutral mentions shift At-Bay's top-three rate?

At-Bay's biggest opportunity is rebuilding top-three placement frequency in the brand recommendation cluster. The brand's raw mention presence remains above its recommendation coverage, which means AI systems are finding and referencing At-Bay but not selecting it as a shortlist option.

The specific opportunity is to convert neutral mentions into positive recommendations. At-Bay recorded 11 neutral mentions in October 2026, nearly as many as its 13 positive mentions. If even a portion of those neutral references shifted to positive recommendation framing, the brand's top-three rate would improve materially.

The platform focus should be Google AI Overviews, where At-Bay already achieves its strongest recommendation signal, and ChatGPT, where the brand has presence but no top-three placements. These two platforms represent the clearest path from reference to recommendation.

Competitive Landscape

Questions This Section Answers

• How does At-Bay's top-three rate and average recommended rank compare to other tracked cyber insurers?
• Which brands lead the cyber insurance category on rank-one and top-three recommendation rates?

Travelers and Chubb hold recommendation-stage strength in the cyber insurance category, with valid recommendation coverage of 64.3% and 63.1% respectively. At-Bay sits in the bottom tier of the tracked set, with recommendation coverage below 10% and no rank-one placements in October 2026.

Average recommended rank covers rank-eligible recommendations only.

At-Bay ranks ninth of ten tracked brands on top-three rate and is one of four brands with no rank-one placements. The brand's average recommended rank of 4.91 is the second-lowest in the tracked set, ahead only of CNA at 5.50. The table shows that At-Bay's recommendation position has contracted relative to mid-tier competitors including Coalition, Hiscox Usa, and AIG, all of which recorded top-three rates above 8%.

Prompt Evidence

Questions This Section Answers

• Which prompt-level results show where At-Bay converts to a recommendation versus only a mention?

Google AI Overviews / Brand Recommendation Prompt: "Who provides cyber liability insurance?" Result: At-Bay appeared in the response and received a valid recommendation placement, contributing to its strongest platform-level recommendation signal.

ChatGPT / Brand Recommendation Prompt: "cyber insurance for small business" Result: At-Bay was mentioned in the response but did not receive a top-three placement, reflecting the brand's presence-without-recommendation pattern on this platform.

Perplexity / Brand Recommendation Prompt: "cyber insurance" Result: At-Bay did not appear in any qualified response on Perplexity across 25 observations, representing a complete platform-level gap.

Google AI Mode / Brand Recommendation Prompt: "What are the best commercial insurance companies?" Result: At-Bay appeared in the response but received no top-three placement, consistent with its weak recommendation conversion on this platform.

What CiteWorks Studio Would Do Next

Phase 1: AI Visibility Market Discovery Audit Map At-Bay's prompt-level visibility across all six platforms, identifying which specific queries produce mentions versus recommendations and where competitor displacement is occurring.

Phase 2: Recommendation Readiness Plan Prioritize the neutral-mention prompts where At-Bay appears but is not recommended, and define the content and evidence changes needed to shift those responses toward shortlist placement.

Phase 3: Owned Answer Layer Buildout Strengthen At-Bay's owned pages and structured content so AI systems can retrieve clear, quotable positioning on the brand's cyber insurance capabilities, target segments, and differentiators.

Phase 4: Citation / Authority Layer Development Expand the third-party source footprint that AI systems cite in cyber insurance responses, focusing on the comparison and insurance-specific domains that dominate the citation profile.

Phase 5: Monthly AI Visibility and Recommendation Tracking Track At-Bay's top-three rate, rank-one rate, and platform-level recommendation coverage month over month to measure whether the brand is recovering the placements lost since July 2026.

Why This Matters

AI presence alone is not enough. At-Bay appears in 14.29% of qualified AI responses, but it is recommended in only 7.14% and placed in the top three in just 1.19%. For a buyer asking an AI system for cyber insurance options, At-Bay is more likely to be referenced as context than selected as a shortlist candidate.

The next move is targeted correction of the prompt, page, and citation layers. The brand's neutral mentions represent the clearest conversion opportunity. Shifting those responses toward positive recommendation framing requires strengthening the owned answer layer and expanding the third-party evidence that AI systems retrieve when forming recommendations.

Core Metrics

Sentiment Score

Questions This Section Answers

• Why do At-Bay's neutral mentions matter more than its raw mention count?

Sentiment Score = (positive mentions × 1 + neutral mentions × 0 + negative mentions × -1) / total mentions

At-Bay's sentiment score for October 2026 is 0.5417, calculated from 13 positive mentions, 11 neutral mentions, and zero negative mentions across 24 total mentions.

This score matters because unclassified mention counts are misleading. A brand that appears frequently but is framed neutrally is not achieving the same recommendation outcome as a brand that appears less often but is consistently recommended. Share of voice is a diagnostic metric, not a business KPI.

A positive recommendation, a neutral reference, a cautionary mention, and a competitor-displaced mention are not equal. At-Bay's 11 neutral mentions represent responses where the brand was referenced but not recommended. Counting those mentions as wins would overstate the brand's position.

Classified sentiment is required before interpreting AI visibility. At-Bay's zero negative mentions is a positive signal, but the relatively high share of neutral mentions indicates that the brand's recommendation conversion, not its reputation, is the primary constraint.

Sentiment by Platform

Methodology

1. This report is a benchmark-based analysis of At-Bay's AI recommendation visibility in the cyber insurance category. It is not a client implementation case study and does not represent the results of any CiteWorks Studio engagement.
2. The reporting month is October 2026. Baseline comparisons reference July 2026, with intermediate data points from August 2026 and September 2026 where available.
3. Six AI platforms were tracked: ChatGPT, Copilot, Gemini, Perplexity, Google AI Overviews, and Google AI Mode. All six platforms produced qualified observations in October 2026.
4. The October 2026 measurement produced 168 qualified observations after qualification. The July 2026 baseline produced 228 qualified observations. The August 2026 set was 139 observations, and September 2026 recorded 197.
5. The competitor universe includes ten tracked brands: AIG, At-Bay, AXA XL, Beazley, Chubb, CNA, Coalition, Cowbell Cyber, Hiscox Usa, and Travelers.
6. One public high-intent cluster qualified for analysis in October 2026: Brand Recommendation. The Pricing and Value and Multi-Brand Comparison clusters recorded no qualified observations in the current public series.
7. Stage 0 extraction retains the query, AI platform, answer, brand outcome, recommendation placement, sentiment, and where exposed, citations or attributable evidence sources for each prompt-level observation.
8. A mention is defined as any appearance of the brand in a qualified AI response, regardless of whether the brand is recommended. Raw mention presence rate measures how often the brand appears in any capacity.
9. A valid recommendation is defined as an appearance in a recommendation shortlist where the brand is presented as a selectable option. Valid recommendation coverage measures how often the brand achieves this outcome.
10. Top-three rate measures how often the brand appears among the top three recommended options. Rank-one rate measures how often the brand is the first recommended option. Average recommended rank covers rank-eligible recommendations only.
11. The Hiscox-to-Hiscox Usa label transition creates a comparability break in the series. The two labels should be read together as a combined presence story rather than as independent movements.
12. Small-count brands require caution in interpreting percentage movement. At-Bay recorded 12 valid recommendations in October 2026, and percentage changes from small bases carry greater variability than changes from larger bases.

See How AI Is Recommending Your Brand

The public benchmark shows where At-Bay stands in AI-generated cyber insurance recommendations. A company-level AI visibility audit maps the specific prompts, platforms, and competitor displacement patterns behind the numbers, and defines the content, citation, and authority changes needed to recover recommendation placement.