What Are the Key Differences Between Beazley and Foxquilt Professional Liability (E&O) Insurance?
Combined Form or Described Claims-Made Product
Beazley places professional errors and omissions inside MediaTech, a small-business form that also includes technology E&O, media liability and cyber coverage. Foxquilt describes professional liability for financial loss caused by professional services or advice and labels it claims-made. If you are comparing these routes, ask whether you need the other MediaTech parts and how the selected form defines your services; Foxquilt’s public description does not establish its complete form wording. [3] [4]
Shared Limits and Professional-Service Boundaries
Beazley’s sample form shares its policy aggregate across professional, media and cyber insuring agreements unless declarations provide a separate amount, and its professional-services definition excludes several licensed fields. Foxquilt names technology and creative classes but does not provide a complete eligibility list or policy limits in the reviewed overview. A shared aggregate can make other covered claims relevant to the E&O amount left available; a professional outside Foxquilt’s named examples should get an eligibility answer before relying on the product label. [3] [3] [4] [4]
What Should You Confirm in Beazley and Foxquilt Professional Liability (E&O) Insurance Quotes?
- For Beazley, ask whether the declarations assign a separate E&O limit or share the aggregate with cyber and media, and whether your profession fits the form’s definition. [3] [3]
- For Foxquilt, request the eligible-class decision, retroactive date, limits, deductible, exclusions and full claims-made reporting terms for your professional services. [4] [4]