Beazley vs Gallagher: Technology E&O Insurance

Gallagher puts a technology practice of more than 250 professionals behind placing Tech E&O with outside carriers. Beazley sells MediaTech as a bundled small-business form that adds media and cyber cover.

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

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

Small-Business Package vs a Broker for Every Size

Beazley writes MediaTech for small businesses, bundling technology E&O with professional E&O, media and cyber, and places it through third-party platforms or email. Its application asks for headcount, three years of US and non-US revenue, managed-IT revenue share and ransomware controls. Gallagher's Technology practice places a combined professional-services E&O and cyber policy with outside insurers for startups through global enterprises, citing more than 7,500 tech and telecom clients and over $1 billion in annual premium placed. Choose Beazley if you're a small tech or media business that wants one known policy; choose Gallagher if you're scaling and want insurers compared. [4] [2] [6]

Insurer Claims Litigators vs Broker Client Tools

Beazley's cyber and tech claims team, including litigators, has handled software-failure, implementation and IP E&O claims, on a claims-made form with defense costs inside the limit. Gallagher offers more than 250 dedicated staff and client tools such as Drive, Go, STEP, Submit and Verify, and publishes no Tech E&O limits. With Beazley, the people handling your claim work for the insurer you bought from; with Gallagher, claims handling depends on the insurer it chooses. [4] [3] [6]

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

  • Ask Gallagher which insurer it proposes; Beazley's application names Beazley Insurance Company, Inc. [6] [2]
  • Ask whether Gallagher's quote combines E&O and cyber, and whether MediaTech's media cover is included in yours. [6] [4]
  • Compare limits, retentions, patent and trade-secret exclusions, and tail options. [3] [6]

Beazley suits small tech businesses that want Tech E&O, media and cyber in one MediaTech policy with Beazley's own tech claims litigators; Gallagher suits growing or global tech companies that want a broker combining E&O and cyber across insurers. Gallagher publishes no limits or insurers.

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
    Technology Insurance for the Tech Industry

    Gallagher · Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders · accessed 2026-09-23

  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

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 ↗

Gallagher

  • role: Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. Group-level technology industry practice page.company-reportedSource ↗
  • coverage: Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.company-reportedSource ↗
  • eligibility: Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.company-reportedSource ↗
  • services: Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. Group-level technology industry practice page; not confirmed as included with every tech E&O placement.company-reportedSource ↗
  • services: Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. Group-level technology industry practice page.company-reportedSource ↗
  • insurer: The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. Checked the group-level technology industry practice page.not-disclosedSource ↗
  • limits: The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. Checked the group-level technology industry practice page.not-disclosedSource ↗

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