Beazley vs Insureon: Professional Liability / E&O Insurance

Insureon runs an online quote request for service businesses, with eligibility and carrier appetite decided at application. Beazley's E&O is part of its small-business MediaTech form, whose sample form excludes licensed professions such as architects and lawyers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

Beazley’s 2019 MediaTech sample form describes professional services alongside technology and media coverage under a shared aggregate; Insureon describes small-business E&O through its online quote channel.

What Are the Key Differences Between Beazley and Insureon Professional Liability (E&O) Insurance?

Standalone Question Versus Combined Form

Beazley’s 2019 MediaTech sample form groups professional services with technology E&O, media liability, and cyber coverage, with one shared aggregate unless the declarations say otherwise. That sample does not establish current terms. Insureon describes professional-liability claims through its small-business channel. Ask Beazley whether the proposed form still uses a shared aggregate, and compare the declarations for each quote. [3] [6]

Which Professional Services Fit

The 2019 sample defines professional services as paid services and lists exclusions for several licensed professions, including accounting, architecture, healthcare, law, insurance, and real estate. Those sample exclusions do not establish current eligibility. Insureon describes service-business E&O with profession eligibility determined through the application. If your work is licensed or regulated, ask both providers to confirm the current class and wording. [3] [6]

Claims-Made Timing and Application

The Beazley sample is claims-made and describes an optional reporting extension, with defense costs reducing the limit; its application materials request information about services, staffing, revenue, and client contracts. Confirm that the current proposal retains those features. For Insureon, request the proposed trigger, retroactive date, and reporting extension in the quoted form. [3] [6]

What Should You Confirm in Beazley and Insureon Professional Liability (E&O) Insurance Quotes?

  • Does the Beazley declaration give E&O its own aggregate or share the MediaTech limit with cyber and media claims? [3]
  • What retroactive date, reporting period, and licensed-profession exclusions apply to each proposed form? [6]

Areas of coverage

Beazley

  • role: Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.company-reportedSource ↗
  • insurer: Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route.company-reportedSource ↗
  • coverage: The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.company-reportedSource ↗
  • coverage: The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.company-reportedSource ↗
  • limits: Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.company-reportedSource ↗Source ↗
  • limits: Unless the declarations list a separate amount, each insuring agreement in the sample form (including the professional-liability trigger) shares the same Policy Aggregate Limit of Liability with the policy's media and cyber coverages rather than carrying its own dedicated limit. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations.company-reportedSource ↗
  • application: Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.company-reportedSource ↗
  • claims: Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims, which it describes as including implementation errors alongside software failures and IP disputes. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.company-reportedSource ↗

Insureon

  • role: Insureon markets Professional Liability, also called Errors & Omissions, through its small-business quote channel. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page addresses service businesses exposed to client claims; the eligible professions and carrier appetite depend on the application and quote. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

Sources reviewed

  1. 01
    Beazley Digital Media Tech Application

    Beazley · F00859, 042022 edition, Beazley Insurance Company, Inc.; page 1 claims-made-and-reported notice and General Information; page 1-2 Revenue Information · accessed 2026-09-23

  2. 02
    Beazley MediaTech Sample Policy

    Beazley · F00731, 022019 edition; Media, Tech, Data & Network Liability insuring agreement; Definitions: Tech & Professional Services Wrongful Act, Professional Services; Limit of Liability and Coverage; Optional Extension Period · accessed 2026-09-23

  3. 03
    MediaTech for Small Businesses

    Beazley · Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; SME placement paragraph; claims team paragraph · accessed 2026-09-23

  4. 04
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  5. 05
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  6. 06
    Professional Liability Insurance - Get Online Quotes

    Insureon · Product definition L67-L89; quote CTA and target users on page. · accessed 2026-09-29

  7. 07
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  8. 08
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk