Beazley vs Foxquilt: Technology E&O Insurance

Foxquilt lists technology businesses within its broader professional liability product and provides a quote path; a separate tech form is not established. Beazley's MediaTech form defines tech-specific wrongful acts, including a failing tech product.

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

Areas of coverage

Beazley

  • role: Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.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 and state of admission 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 defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. 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 excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.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 ↗
  • application: Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance.company-reportedSource ↗
  • application: Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. MediaTech product page SME placement paragraph; describes the stated distribution channel only.company-reportedSource ↗
  • claims: Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims involving software failures, implementation errors and IP disputes. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.company-reportedSource ↗

Foxquilt

  • role: Foxquilt lists technology and creative businesses within its broader Professional Liability / E&O product; a separate technology E&O form is not established. Foxquilt’s cited product or program page 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 cited E&O page describes professional-service claims and classifies technology/creative businesses as product audiences; it does not describe a technology-specific coverage grant. Foxquilt’s cited product or program page 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: Technology and creative are named classes on the broader E&O page; underwriting appetite for any specific technology business is not stated. Foxquilt’s cited product or program page 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 Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page 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 ↗

What Are the Key Differences Between Beazley and Foxquilt Tech E&O Insurance?

Covered technology acts and exclusions

Beazley places technology E&O inside MediaTech, a single small-business form that also includes professional E&O, media and cyber coverage; it is not standalone for that segment. Foxquilt markets broader professional E&O and identifies technology/creative classes but does not establish a separate tech E&O form. Buyers wanting a combined technology package should ask Foxquilt what other lines, if any, are included. [4] [6]

Reporting and placement

Beazley’s cited sample policy is an older form and should not be treated as current wording. Request the current MediaTech form and compare its technology, IP and contract terms with the proposed Foxquilt form. [3] [6]

The linked sample policy is a 2019 edition and is historical wording, not current terms. Beazley’s MediaTech page describes small-business placement; ask for the current form and reporting provisions for a new quote. Foxquilt also describes its E&O as claims-made; compare the actual policy dates and reporting requirements. [3] [4] [6]

What Should You Confirm in Beazley and Foxquilt Tech E&O Insurance Quotes?

  • Ask Beazley for the current MediaTech form, its reporting provisions and any extension options; ask Foxquilt for its technology wording, IP and cyber terms, and defense-cost treatment. [3] [6]

Beazley’s U.S. small-business MediaTech page describes a combined package that includes technology and professional E&O, media and cyber. Foxquilt names technology and creative classes within broader Professional Liability/E&O; neither marketing description settles quote-specific terms.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    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; pages 3-4 Contractual Controls and Ransomware Controls · accessed 2026-09-23

  3. 03
    Beazley MediaTech Sample Policy

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

  4. 04
    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

  5. 05
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  6. 06
    Professional Liability (E&O)

    Foxquilt · E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. · accessed 2026-09-29

  7. 07
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  8. 08
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  9. 09
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  10. 10
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  11. 11
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

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