--- title: "Beazley vs Chubb: Tech E&O Insurance" description: "Beazley's MediaTech bundles tech E&O, media and cyber for small businesses, but its sample form excludes patent and trade-secret claims tied to your products. Chubb's DigiTech ERM combines the same lines for software, tech-services and hardware firms, with no exclusion for delays or failure to deliver." canonical: "https://spot.insure/compare/beazley-vs-chubb/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-chubb" provider-a: "beazley" provider-b: "chubb" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/beazley-vs-chubb/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Beazley and Chubb 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 Beazley versus Chubb. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs Chubb for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Beazley or Chubb? - What does Beazley or Chubb publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Beazley and Chubb. - 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:** - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile # Beazley vs Chubb: How Do They Compare for Tech E&O Insurance? Both bundle tech E&O with other cover. Chubb DigiTech ERM targets software developers, IT consultants and hardware makers through agents and brokers; Beazley MediaTech is a small-business form placed through platforms or email. Beazley's MediaTech bundles tech E&O, media and cyber for small businesses but excludes patent and trade-secret claims; Chubb's DigiTech ERM combines the same lines for software, services and hardware firms with no delay exclusion. ## Beazley vs Chubb Tech E&O Insurance Summary Beazley's MediaTech bundles tech E&O, media and cyber for small businesses, but its sample form excludes patent and trade-secret claims tied to your products. Chubb's DigiTech ERM combines the same lines for software, tech-services and hardware firms, with no exclusion for delays or failure to deliver. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## What Are the Key Differences Between Beazley and Chubb Tech E&O Insurance? ### Small-Business Bundle vs Named Tech Industries Both combine tech E&O with media and cyber on one policy. Beazley's MediaTech is built for small businesses and also includes professional E&O. Chubb's DigiTech ERM targets software and system developers, tech-services and consulting firms, and electronics and hardware makers such as VARs, integrators, IT consultants and distributors. Choose Beazley if you're a small tech or media business; choose Chubb if you're a software, IT-services or hardware company, especially one exposed to missed delivery dates. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance for Software Product & System Developers") [6](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") ### Patent Gap at Beazley vs No Delay Exclusion at Chubb Beazley's sample form covers product failures and software copyright infringement but excludes patent infringement and trade-secret misappropriation tied to your products. It's claims-made, and defense costs reduce your limit. Chubb covers third-party financial loss from your products or services, a broadened "technology incident," software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. If you face patent risk or delivery deadlines, Chubb's wording is broader. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### How You Buy and Who Handles Claims Brokers quote Beazley's small-business form through third-party platforms or email, and Beazley's cyber and tech claims team has handled software-failure, implementation and IP claims. Brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace, and policyholders get Chubb's cyber panel, 24/7 hotline and Cyber Alert app. Chubb publishes no limits. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## What Should You Confirm in Beazley and Chubb Tech E&O Insurance Quotes? - Check which insuring agreements are on your MediaTech or DigiTech ERM quote. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Read the patent, trade-secret, delay and failure-to-deliver wording. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Get limits, retentions and the insurer on both; Beazley's application names Beazley Insurance Company, Inc. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## Beazley vs Chubb Tech E&O Insurance Compared | Criteria | Beazley MediaTech for Small Businesses | Chubb DigiTech ERM (Technology Errors & Omissions) | | --- | --- | --- | | How to Apply | 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. [2](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..)

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. [1](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..) | Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [6](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products quoting section; technology-industry products list..) | | Coverage Features | 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. [3](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..)

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. [3](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..) | Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: DigiTech ERM Product Features list; subject to the policy as issued..) | | Role in This Line | 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. [1](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..) | Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, DigiTech ERM section..) | ## About Beazley and Chubb and Tech E&O Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Beazley vs Chubb Tech E&O Insurance - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb): 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. - [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions) - [Chubb Tech E&O Insurance](https://spot.insure/insurance-providers/chubb/technology-errors-omissions) ## Sources for Beazley vs Chubb Tech E&O Insurance ### Sources About Beazley 1. [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. 2. [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. 3. [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. ### Sources About Chubb 4. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23. 5. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23. 6. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-vs-chubb/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)