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

Beazley folds tech E&O into its MediaTech small-business form with professional E&O, media liability and cyber, placed through platforms or email; Amelia Risk is a brokerage that lists Tech E&O as a separate policy line it places.

Beazley bundles small-business Tech E&O with media and cyber in one MediaTech policy, but its sample form excludes patent and trade-secret claims tied to your tech products. Amelia Risk places Tech E&O as a standalone policy through its four-step brokerage process. ^5,^7,^6,^3,¹

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

A Standalone Line vs a Bundled Small-Business Policy

Amelia Risk places Technology E&O as its own policy, separate from general liability and umbrella, through a four-step brokerage process. Beazley sells small-business tech E&O only inside MediaTech, one form that also includes professional E&O, media liability and cyber, placed through third-party platforms or by email. Choose Beazley if you want E&O, media and cyber on one small-business policy; choose Amelia Risk if you want Tech E&O on its own. ¹ ³ ⁵

Patent and Trade-Secret Exclusion vs a General Description

Beazley’s sample form covers tech product errors generally but excludes patent infringement and trade-secret misappropriation connected to your tech products. If an IP claim is a real risk for you, that gap matters. Amelia Risk describes Tech E&O as protection when a product or service fails and causes a client financial loss, without publishing exclusions. ⁷ ¹

Claims-Made With a Shrinking Limit vs Not Stated

Beazley’s sample MediaTech form is claims-made and reported (the claim must be made and reported during the policy period), defense costs reduce the limit, and you can buy an Optional Extension Period, or tail, to report claims after the policy ends. Amelia Risk doesn’t say how its placements are triggered. ⁷ ¹

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

Ask whether Beazley is quoting the full MediaTech bundle, and whether Amelia Risk is placing Tech E&O alone. ⁵ ³
Ask both about the reporting window and tail. ⁷
Check patent and trade-secret wording on both quotes. ⁷ ¹
Ask Amelia Risk which insurer it proposes. Beazley’s application names Beazley Insurance Company, Inc., with the exact company confirmed on the quote. ¹ ⁶

Amelia Risk vs Beazley Tech E&O Insurance Compared

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

Criteria	Technology Errors and Omissions	Beazley MediaTech for Small Businesses
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	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. ⁶Company-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. ⁵Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	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. ⁷Company-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. ⁷Company-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	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	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. ⁵Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.
Claims Support	Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. ⁴Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service.	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. ⁵Company-reported. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.