Amelia Risk vs Beazley Cyber Insurance

Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ⁴Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.

For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. ^13,9Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.

The reviewed pages do not name an insurer for cyber placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to cyber liability specifically. ⁴Not publicly disclosed. Cyber product page and specialty pages, checked 23 September 2026.

The Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. ^13,15Not found in reviewed sources. Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record.

Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ⁴Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.

Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. ¹³Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.

Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. ⁴Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations.

Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. ⁴Company-reported. Cyber product page description as of 23 September 2026.

The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. ¹⁴Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording.

Not described in the reviewed sources.

In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. ¹⁴Company-reported. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy.

The reviewed cyber page does not describe security-monitoring, incident-response, or other risk-control services for cyber policyholders beyond the coverage description itself. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them.

Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. ¹³Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page.

Not described in the reviewed sources.

Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. ^13,15Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal.

The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific.

Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. ¹³Company-reported. Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified.