Beazley vs Hub International: Telehealth Insurance

Beazley insures modular Virtual Care coverage for telehealth businesses. HUB International brokers a package for virtual care providers, listing coverages and flagging specific exposure gaps for clients to assess.

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 Telehealth Insurance?

Underwritten Modules or Brokered Lines

Beazley sells Virtual Care as a modular policy it underwrites. HUB arranges a package for virtual-care organizations and does not name an issuing insurer in the reviewed record. HUB’s list includes management liability; Beazley’s reviewed Virtual Care modules do not name D&O or EPL. [1] [4]

Choose Beazley if you want its listed modules and affirmative bodily-injury wording, and HUB if you need D&O or EPL or operate in a Patient Compensation Fund state.

Coverage Lists

Beazley lists healthcare professional liability, technology liability, cyber, first-party cyber, general liability, products/completed operations, media liability, and clinical-trial financial injury. HUB lists medical professional liability, tech E&O, products liability, cyber and data security, general liability, D&O, and employment practices. HUB lists management lines; Beazley lists media and clinical-trials coverage. [1] [4]

Eligibility and State Rules

Beazley accepts organizations domiciled in nine countries and highlights affirmative bodily-injury coverage. HUB targets healthcare organizations offering virtual care, flags Patient Compensation Fund states as affecting coverage, and calls attention to COVID-19 virtual-consultation exclusions and virtual-service injury wording. A practice in a PCF state should check HUB’s state guidance; a Beazley applicant should check the domicile list. [1] [4]

Services and Intake

Beazley pairs its cyber module with Breach Response Services, uses module-specific application brochures, and names a healthcare claims team. HUB describes assessing operational, financial, and strategic risks while arranging coverage. Neither reviewed page publishes limits. [1] [4]

What Should You Confirm in Beazley and HUB International Telehealth Insurance Quotes?

  • Ask Beazley which modules bind and whether your organization meets a listed domicile country. [1]
  • Ask HUB which insurers quote each line and whether Patient Compensation Fund rules apply. [4]
  • Compare HUB’s COVID-19 and virtual-injury flags with Beazley’s affirmative bodily-injury wording. [4] [1]
  • Confirm if you need D&O or EPL; HUB lists both and Beazley’s reviewed modules do not. [4] [1]

Areas of coverage

Beazley

  • role: Beazley sells Virtual Care as a single modular policy bundling healthcare professional liability, technology liability, cyber, media liability, general liability and products/completed operations for digital-health businesses, rather than separate line-item policies. Virtual Care product description and Available Coverages list.company-reportedSource ↗
  • eligibility: Beazley targets five digital-health segments with Virtual Care: telehealth/telemedicine providers, mHealth companies building wearables and apps, med-tech/devices platforms and SaaS developers, lifestyle-and-wellness businesses, and traditional in-person healthcare entities with cyber-related bodily-injury exposure. Virtual Care "Who we can help" section.company-reportedSource ↗
  • eligibility: Beazley offers Virtual Care worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile and Spain. Virtual Care "Where is this offered" section.company-reportedSource ↗
  • coverage: The Available Coverages list under Virtual Care includes Healthcare Professional Liability, Tech Services/Tech Products Liability, Cyber Liability (Beazley Breach Response or InfoSec), First Party Cyber, General Liability (claims-made or occurrence), Products/Completed Operations, Media Liability and Clinical Trials Financial Injury. Virtual Care Available Coverages list; actual coverage purchased depends on the modules selected and the issued policy.company-reportedSource ↗
  • coverage: Beazley highlights "affirmative coverage for claims made against an insured which results in bodily injury" as a feature of Virtual Care, distinguishing it as a policy point rather than describing every underlying module's terms. "The Beazley Difference" section of the Virtual Care page.company-reportedSource ↗
  • limits: The reviewed page does not publish specific dollar limits or retentions for Virtual Care or its component modules. Those terms appear only on an actual quote. Virtual Care page as read on 2026-09-23; a supplementary product-overview PDF found in search could not be parsed for numeric limits.not-disclosedSource ↗
  • services: Policyholders that include the cyber module get access to Beazley Breach Response Services, which Beazley describes as covering breach-response management, information-security insurance solutions and risk-management services. "The Beazley Difference" section; service scope depends on whether the cyber module is selected.company-reportedSource ↗
  • application: Beazley lists several downloadable application brochures for different Virtual Care coverage combinations, such as "Virtual Care - InfoSec (no First Party)" and "Virtual Care - Professional Liability," indicating a broker-submitted, module-by-module application rather than one online form. Tools & Resources section of the Virtual Care page.company-reportedSource ↗
  • claims: Beazley names a dedicated Claims Team Leader for Healthcare and several claims managers and specialists on the Virtual Care team, and directs customers to a general "Notify a Claim" channel. The page does not describe specific claims-handling procedures or timelines. Team listing and claims-contact links on the Virtual Care page.company-reportedSource ↗

HUB International

  • role: HUB brokers a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. Product-page coverage list; the issued policies and their exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. Product-page eligibility framing; not a published underwriting appetite by state or care specialty.company-reportedSource ↗
  • coverage: HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy.company-reportedSource ↗
  • services: HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. Product-page service description; a company-reported capability.company-reportedSource ↗
  • insurer: The virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗

Beazley offers modular virtual-care coverage for organizations domiciled in nine countries; HUB brokers professional, tech E&O, cyber, general, and management liability for virtual-care organizations.

Sources reviewed

  1. 01
    Virtual Care

    Beazley · Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space · accessed 2026-09-16

  2. 02
    Digital health insurance | eHealth

    CFC · Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product · accessed 2026-09-16

  3. 03
    Telehealth FAQs

    Florida Department of Health · What is telehealth?; Out-of-State Telehealth Provider registration; Maintain liability coverage or financial responsibility for telehealth services provided to patients in Florida; Florida licensee treating patients outside Florida must review the laws in the location of the patient · accessed 2026-09-16

  4. 04
    Virtual Care Insurance Brokerage Coverage

    HUB International · Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization · accessed 2026-09-16

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