Beazley vs 
Corgi: How Do They Compare for Tech E&O Insurance?
If you want to quote and bind Tech E&O yourself online, Corgi offers that. Beazley places MediaTech for small businesses through third-party platforms or by email, not through a direct-to-consumer purchase flow.
Beazley bundles Tech E&O with professional, media and cyber cover in MediaTech, and its form covers accidental breach of contract and software copyright; Corgi lets startups quote Tech E&O instantly online, but its base form excludes contract-only, IP, data-breach and AI claims unless you add endorsements. 3,1,4,5
What Are the Key Differences Between Beazley and Corgi Tech E&O Insurance?
Bundled Package vs Instant Standalone Quote
Beazley puts Tech E&O inside MediaTech, a small-business policy that also carries professional E&O, media and cyber, placed through third-party platforms or email. Corgi sells Tech E&O as its own instant-quote policy and includes it in every startup package from pre-seed and seed up. If you already buy cyber elsewhere, the MediaTech bundle may duplicate it. Choose Corgi if you are an early startup that wants to buy online today; choose Beazley if you want one package covering E&O, media and cyber with broader base terms. 1 4 5
Breach of Contract on the Base Form
Beazley's sample form treats unintentional breach of contract in delivering tech services as a covered wrongful act. Corgi's standard policy excludes claims arising solely from breach of contract or SLA failure. Without Corgi's contract/SLA carveback endorsement, a customer suing over a missed SLA would be your problem. 3 4
Intellectual Property on the Base Form
Beazley covers software copyright infringement by your tech products, but excludes patent and trade-secret claims. Corgi's standard form excludes IP infringement unless you add a copyright or trademark endorsement. 3 4
What Should You Confirm in Beazley and Corgi Tech E&O Insurance Quotes?
- Ask Corgi which contract/SLA, IP or AI endorsements are on your quote, and confirm Beazley is quoting MediaTech. 4 1
- Ask who issues the policy: Corgi mainly uses Technology Risk Retention Group or partner insurers; Beazley names Beazley Insurance Company, Inc. 4 2
- Compare limits, retention and whether defense reduces the limit, and ask Beazley about its claims-made tail. 4 3
- Read the patent, copyright and contract wording on both forms. 3 4
Beazley vs Corgi Tech E&O Insurance Compared
Beazley vs Corgi: Tech E&O Insurance: documented features by provider
| Criteria | Beazley MediaTech for Small Businesses | Corgi Tech E&O |
|---|---|---|
| Limits and Retentions | 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. 3,2Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly. | Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. 4Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| 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. 2Company-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. 1Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only. | Tech & AI Liability is one of the homepage's "Instant quote" policies, meaning it can be quoted and bound online without the 1-14 day turnaround Corgi assigns to its specialty coverages. 5Company-reported. Homepage policy-card labeling as of 2026-09-23. |
| 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. 3Company-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. 3Company-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. | The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. 4Company-reported. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger. The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. 4Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting. |
| 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. 1Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any. | Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. 4,5Company-reported. Tech E&O product page and homepage package contents; package composition may change. |
| Issuing Insurer | 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. 2Company-reported. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route. | Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. 4Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page. |
