Alliance Risk vs Beazley: How Do They Compare for Tech E&O Insurance?

Small firms wanting tech E&O bundled with professional E&O, media liability and cyber in Beazley's MediaTech form will find it there; Alliance Risk instead places Tech E&O for SaaS, AI and IT consulting companies.

Beazley bundles tech E&O with cyber, media liability and professional E&O in one small-business MediaTech policy, so one purchase covers a breach too. Alliance Risk shops standalone tech E&O, including errors in AI outputs, and you buy cyber separately. ^2,^4,¹

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

All-in-One Small-Business Bundle vs Standalone Tech E&O

Beazley sells tech E&O only inside MediaTech, a small-business policy that also includes professional E&O, media liability and cyber; it isn’t offered standalone for that segment. Alliance Risk is a specialist broker that places standalone tech E&O for companies that build, deploy or advise using software, with insurers it doesn’t name, and treats cyber as a separate purchase. Choose Beazley if you are a small tech or media business that wants cyber and E&O in one policy; choose Alliance Risk if you already have cyber or need a tech E&O placement shopped across insurers. ² ¹

Patent and Trade-Secret Exclusions vs AI Output Cover

Beazley’s form covers two triggers, mistakes in your tech or professional services and failures of your tech products, but excludes patent infringement and trade-secret misappropriation tied to those products. Alliance Risk describes cover for failure to perform and errors in deliverables, including AI outputs, and excludes cyberattacks. If your IP exposure is high, compare those exclusions line by line. ⁴ ¹

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

Check whether you qualify for MediaTech or need a standalone placement through Alliance Risk. ² ¹
Ask Alliance Risk how its placement treats unintentional IP infringement compared with Beazley’s exclusions. ⁴ ¹
Ask Alliance Risk which insurer would issue the policy; Beazley’s application names Beazley Insurance Company, Inc. ¹ ³
Both are claims-made, so ask for the retroactive date and the price of extended reporting (tail) cover. ⁴ ¹

Alliance Risk vs Beazley Tech E&O Insurance Compared

Alliance Risk vs Beazley: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	Beazley MediaTech for Small Businesses
Limits and Retentions	Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. ¹Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.	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. ^4,³Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.
How to Apply	For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. ¹Company-reported. Tech E&O page, "What We Need for Your Quote" section.	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. ³Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance. 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. ²Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ¹Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	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. ⁴Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. 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. ⁴Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ¹Company-reported. Tech E&O page opening description.	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. ²Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.