Beazley vs Vouch: Professional Liability / E&O Insurance

Vouch is a broker for accounting, architecture, IT and marketing firms with an online Get Started flow. Beazley sells E&O bundled in its MediaTech form with media and cyber, and its sample form leaves out accountants and architects.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Vouch lists architecture, engineering and construction firms among its E&O buyers; Beazley’s MediaTech form excludes several licensed professions.

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

Industry Fit for Design and Construction

Vouch groups architecture, engineering and construction firms among its professional-services E&O buyers. Beazley’s MediaTech form excludes architects, engineers and other licensed professions from its Professional Services trigger. A design or construction firm should confirm Beazley’s eligibility before comparing terms; Vouch names that industry group directly. [10] [2]

Separate Broker Placement or MediaTech

Vouch places professional E&O through program partners, including Corix for some products. Beazley bundles E&O with technology, media and cyber under MediaTech. Ask whether your Vouch quote is Corix-branded and compare its limits and terms with Beazley’s aggregate. [4] [3] [2]

Start the Application

Vouch’s site offers a “Get Started” path, while Corix provides a broker application and appointment process. Beazley asks for business revenue, services and client-contract terms in its MediaTech application. Prepare those materials if you pursue Beazley. [10] [4] [1]

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

  • Ask Vouch whether Corix or another partner will place your policy and which insurer will issue it. [5]
  • Confirm your design, engineering and construction services fit the policy definitions. [10] [2]
  • Ask Beazley whether E&O shares an aggregate with MediaTech’s other coverages. [2]
  • Request actual limits, retentions and premiums from both. [10] [2]

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 ↗

Vouch

  • role: Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. Vouch's Professional Services page and Corix's cyber/E&O product page.company-reportedSource ↗Source ↗
  • insurer: Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. Corix disclosures page.company-reportedSource ↗
  • eligibility: Vouch markets professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant.company-reportedSource ↗
  • coverage: Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗
  • limits: Neither the Vouch nor Corix pages publish E&O policy limits or retentions. Pages checked on 2026-09-23.not-disclosedSource ↗Source ↗
  • application: Corix's E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. Corix product page and Vouch site navigation.company-reportedSource ↗Source ↗

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
    Cyber and Errors & Omissions

    Corix Insurance · Errors & Omissions insurance provided by Corix helps protect businesses for claims of negligence, mistakes, or inadequate work that causes a financial loss to clients, in the provision of professional services. It includes legal defense costs and damages awarded, even when the claim is groundless. · accessed 2026-09-23

  5. 05
    Legal Disclosures

    Corix Insurance · Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537). · accessed 2026-09-23

  6. 06
    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

  7. 07
    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

  8. 08
    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

  9. 09
    Get business insurance

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

  10. 10
    Insurance for Professional Services Firms

    Vouch · Expertise across professional services: Accounting & Finance, Architecture/Engineering/Construction, IT Consulting, Management Consulting, Marketing & Creative Agencies; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers' Compensation · accessed 2026-09-23

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