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

Coverdash is a broker with a fully digital quote-to-purchase flow for SaaS firms, dev shops and IT consultants. Beazley's MediaTech is a small-business form that bundles media and cyber, placed via platforms or email.

Beazley insures Tech E&O itself as part of MediaTech, a small-business package placed through brokers' platforms, with a sample form you can read. Coverdash lets SaaS companies, dev shops and IT consultants quote and buy Tech E&O online, but names no insurer and publishes no limits. ^1,^2,^5,⁴

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

Insurer Package vs Online Broker

Beazley writes Tech E&O inside MediaTech rather than as a standalone small-business policy; brokers submit through third-party platforms or by email, and the application asks for headcount, three years of revenue, managed-IT revenue share and ransomware controls. Coverdash brokers standalone Tech E&O from an insurer it doesn't name, with a fully digital quote-to-purchase flow and the option to add GL or cyber. Choose Coverdash if you want to buy online yourself; choose Beazley if you want a known insurer's package through a broker. ¹ ² ⁵ ⁴

What Counts as a Claim

Beazley's sample form covers wrongful acts in your tech services and products, including unintentional breach of contract and software copyright infringement, but excludes patent and trade-secret claims on products. Coverdash describes claims that software didn't perform as promised, a project was late or off spec, or client data was mishandled, plus defense of groundless claims, for SaaS companies, dev shops, IT providers and consultants. ³ ⁴ ⁶

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

Ask Coverdash which insurer issues the policy. ⁴ ²
Ask whether Coverdash is quoting Tech E&O alone or with other lines, and which MediaTech agreements are on the Beazley quote. ⁴ ¹
Get limits, retentions, claims-made terms and whether defense reduces the limit on both. ³ ⁴
If you hold patents or trade secrets, check the patent and trade-secret wording on each form. ³ ⁴

Beazley vs Coverdash Tech E&O Insurance Compared

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

Criteria	Beazley MediaTech for Small Businesses	Coverdash Tech E&O Insurance
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.	Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. ⁴Company-reported. Product-page company information and cross-sell section.
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.	Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. ⁴Company-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 Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. ⁶Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.
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.	Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^5,⁴Company-reported. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.

Criteria

Beazley MediaTech for Small Businesses

Coverdash Tech E&O Insurance

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.

Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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.

Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. ⁴Company-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 Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. ⁶Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.

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.

Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^5,⁴Company-reported. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.