Beazley vs Zurich: Technology E&O Insurance

Zurich U.S. targets hardware and software makers and technology service providers, with crisis-management cover as an enhanced endorsement for qualified customers. Beazley's MediaTech is a small-business form with media and cyber included.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

Beazley’s MediaTech defines tech-service and tech-product wrongful acts and lets buyers purchase an extended reporting period; Zurich describes technology E&O with crisis management available by endorsement.

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
    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

  8. 08
    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

  9. 09
    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

  10. 10
    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

  11. 11
    Errors and Omissions Insurance – E&O | Zurich Insurance

    Zurich U.S. · Pro Plus coverage, targeted classes, policy structure, claims and underwriting · accessed 2026-09-28

What Are the Key Differences Between Beazley and Zurich U.S. Tech E&O Insurance?

Technology Triggers and Exclusions

Beazley’s MediaTech sample defines technology-services errors and unintentional contract breaches separately from product failures and software copyright infringement, while excluding patent infringement and trade-secret misappropriation connected to tech products. Zurich describes technology E&O for product and service makers but its reviewed summary does not detail those IP terms. Compare the actual definitions if your work involves licensed code, patents, or trade secrets. [2] [4] [11]

Bundle and Reporting Period

Beazley includes tech E&O inside MediaTech with professional E&O, media, and cyber; coverage is claims-made and reported, and buyers may pay for an Optional Extension Period after cancellation or nonrenewal. Zurich describes modular Pro Plus E&O and a crisis-management endorsement for qualified customers. Ask whether the quote shares an aggregate across MediaTech coverage parts and compare the policy’s reporting extension with Zurich’s proposed terms. [4] [4] [11]

What Should You Confirm in Beazley and Zurich U.S. Tech E&O Insurance Quotes?

  • Ask Beazley whether your declarations give tech E&O a separate limit and what the tail costs; ask Zurich for its IP wording, modules, and crisis-management endorsement terms. [3] [11]

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 ↗

Zurich U.S.

  • eligibility: Zurich identifies technology practitioners, including hardware/software product makers and technology service providers, as targeted E&O classes. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • coverage: Zurich says its E&O may cover defense costs, settlements and court fees; crisis-management coverage is described as an enhanced endorsement for qualified customers, not an unconditional standard feature. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Crisis-management coverage is conditional on the enhanced endorsement and qualification; actual covered terms, limits, issuer and state availability depend on issued policy.company-reportedSource ↗
  • services: Zurich describes dedicated E&O claims specialists and underwriters with professional-liability experience. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗

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