Beazley vs Hub International: Technology E&O Insurance

HUB International is the route if you want a broker to customize E&O, and it reports insuring more than 5,000 technology companies. Beazley's MediaTech is a small-business form placed through platforms or email.

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 HUB International Tech E&O Insurance?

A Small-Business Policy From the Insurer vs a Broker for Any Size

Beazley underwrites MediaTech, its vehicle for small-business tech E&O, and places it through third-party platforms or by email. HUB doesn’t underwrite; its E&O and technology practices send you to a broker, serve startups and established software, hardware and digital-media firms, and say they insure more than 5,000 technology companies. Choose Beazley if you’re a small tech business that wants a known form; choose HUB if you’re larger or want several insurers compared. [4] [7] [8]

Defense Inside the Limit vs Not Stated

Beazley’s sample form is claims-made and reported, and defense costs reduce the limit, so a long lawsuit leaves less for a settlement. HUB’s E&O materials don’t say whether defense sits inside or outside the limit; you’ll learn that from the quote. [3] [7]

Optional Tail vs Prior Acts and Tail Negotiated

Beazley offers an Optional Extension Period after non-renewal or cancellation, letting you report claims after the policy ends. HUB says E&O can include prior-acts cover back to a retroactive date plus tail coverage, which protects you when you switch insurers. [3] [7]

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

  • Check the retroactive date and tail on both quotes. [3] [7]
  • Ask HUB whether defense costs reduce the limit on its placement. [3] [7]
  • Ask HUB which insurer it proposes. Beazley’s application names Beazley Insurance Company, Inc. [7] [2]
  • Get per-claim and aggregate limits; HUB publishes none. [7] [3]

Beazley insures small tech businesses directly through MediaTech, a claims-made policy where defense costs reduce your limit and a tail is optional. HUB is a broker that shops tech E&O for startups and established firms and can arrange prior-acts and tail cover.

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
    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

  7. 07
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  8. 08
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  9. 09
    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

  10. 10
    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

  11. 11
    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

  12. 12
    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 ↗

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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