---
title: "At-Bay vs Beazley: Tech E&O Insurance"
description: "At-Bay offers the broader Tech E&O terms: expanded breach-of-contract cover, no warranty or consequential-damages exclusion, trade-secret claims included, and limits up to $10 million. Beazley sells Tech E&O only inside MediaTech, a small-business bundle with media and cyber, and its sample form excludes certain patent and trade-secret claims."
canonical: "https://spot.insure/compare/at-bay-vs-beazley/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-beazley"
provider-a: "at-bay"
provider-b: "beazley"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-beazley/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Beazley for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about At-Bay versus Beazley. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Beazley for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Beazley?
- What does At-Bay or Beazley publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Beazley.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile

# At-Bay vs Beazley: How Do They Compare for Tech E&O Insurance?

At-Bay writes primary or excess Tech E&O with limits up to $10 million and includes access to its Stance security platform. Beazley sells tech E&O bundled inside MediaTech, a small-business form with media liability and cyber, not offered standalone for that segment.

At-Bay's Tech E&O expands contract cover and includes trade-secret claims with limits up to $10 million, while Beazley sells Tech E&O only inside its small-business MediaTech bundle, whose sample form excludes some patent and trade-secret claims.

## At-Bay vs Beazley Tech E&O Insurance Summary

At-Bay offers the broader Tech E&O terms: expanded breach-of-contract cover, no warranty or consequential-damages exclusion, trade-secret claims included, and limits up to $10 million. Beazley sells Tech E&O only inside MediaTech, a small-business bundle with media and cyber, and its sample form excludes certain patent and trade-secret claims. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## What Are the Key Differences Between At-Bay and Beazley Tech E&O Insurance?

### Standalone Tech E&O With Excess vs a Small-Business Bundle

At-Bay sells Tech E&O as its own technology liability product, primary or excess, with limits up to $10 million. Beazley sells technology E&O only inside MediaTech, a small-business policy that also includes professional E&O, media liability and cyber. Choose Beazley if you're a small tech or media business that wants E&O, media and cyber on one form; choose At-Bay if you need higher limits or stronger contract and IP protection. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

### Broader Contract and Trade-Secret Cover vs Narrower IP Terms

At-Bay says its Tech E&O expands breach-of-contract coverage, has no exclusion for breach of warranties, guarantees or consequential damages, and extends IP infringement cover to trade-secret misappropriation. Beazley's sample MediaTech form is narrower on IP: [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

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. [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims..)

If a customer could accuse your product of using their trade secrets, At-Bay's published terms are the safer starting point. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## What Should You Confirm in At-Bay and Beazley Tech E&O Insurance Quotes?

- Compare trade-secret and patent wording on both actual forms against At-Bay's description and Beazley's sample exclusion. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Ask Beazley whether it's quoting the full MediaTech bundle, and ask At-Bay whether you need excess above another policy. [5](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Ask Beazley about claims-made reporting and tail options, and ask At-Bay whether its claims process covers a non-cyber professional-services loss. [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.at-bay.com/claims/ "Claims Handling")
- Ask At-Bay which insurer issues the policy; its materials name none, while Beazley's application names Beazley Insurance Company, Inc. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [6](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

## At-Bay vs Beazley Tech E&O Insurance Compared

| Criteria | At-Bay Tech E&O Insurance | Beazley MediaTech for Small Businesses |
| --- | --- | --- |
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | 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. [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [6](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: 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 | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings..) | 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. [6](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance..)<br><br>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. [5](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: MediaTech product page SME placement paragraph; describes the stated distribution channel only..) |
| Coverage Features | At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements 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. [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control..)<br><br>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. [7](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: 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 | At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. [2](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote..) | 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. [5](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any..) |
| Issuing Insurer | The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | 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. [6](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route..) |

## About At-Bay and Beazley and Tech E&O Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for At-Bay vs Beazley Tech E&O Insurance

- [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions)

## Sources for At-Bay vs Beazley Tech E&O Insurance

### Sources About At-Bay

1. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
3. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Beazley

5. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/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.
6. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). 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.
7. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). 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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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