Beazley vs Coverdash Professional Liability (E&O) Insurance

Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.

Coverdash arranges professional liability (errors and omissions) coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^9,10Company-reported. General brokerage terms applied to the professional liability page; not specific to any one carrier or state.

Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. ⁵Company-reported. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route.

The professional liability page does not name the insurer that issues the policy. ¹⁰Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Not described in the reviewed sources.

Coverdash markets professional liability to any small business, startup or e-commerce seller that gives advice, provides a service or delivers work for clients, citing examples including architects, dentists, doctors and real estate agencies. ¹⁰Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and profession-specific appetite.

The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ⁶Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ⁶Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.

Coverdash describes professional liability as covering claims that a client's financial harm came from the business's negligent advice or service, mistakes made by the business or an employee, or a missed deadline or undelivered work, and pays legal defense costs even for a baseless claim. ¹⁰Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made.

Coverdash's coverage hub lists this general professional liability product separately from Tech E&O (for technology companies) and Lawyers Professional Liability, so a technology or legal business would typically be pointed to the more specific product instead. ¹¹Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue.

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. ^6,5Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.

Unless the declarations list a separate amount, each insuring agreement in the sample form (including the professional-liability trigger) shares the same Policy Aggregate Limit of Liability with the policy's media and cyber coverages rather than carrying its own dedicated limit. ⁶Company-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.

The professional liability page does not publish specific limit, retention or deductible amounts. ¹⁰Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. ⁵Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.

Coverdash describes a fully digital quote-to-purchase process for professional liability, with the option to add coverages such as general liability or cyber alongside it. ¹⁰Company-reported. Product-page company information and cross-sell section.

Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims, which it describes as including implementation errors alongside software failures and IP disputes. ¹Company-reported. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.

Not described in the reviewed sources.