Beazley vs 
Embroker: How Do They Compare for Professional Liability (E&O) Insurance?
Embroker sells professional liability standalone with an online quote and deductible choices, for consultants, bookkeepers and IT professionals. Beazley's version is part of a bundled MediaTech form that also carries media and cyber.
Embroker offers standalone E&O and names exclusions by peril; Beazley bundles E&O, media, technology and cyber but excludes licensed professions including lawyers and architects. 4,3
What Are the Key Differences Between Beazley and Embroker Professional Liability (E&O) Insurance?
A Peril Exclusion or a Profession Exclusion
Embroker excludes specific risks such as personal injury, property damage, cyberattacks and employee claims, directing buyers to separate policies for those exposures. Beazley’s sample MediaTech form instead excludes entire professional categories, including lawyers, architects, accountants and some engineers:
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. 3Company-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.
If your profession is excluded, Beazley’s E&O trigger will not cover your work; Embroker’s listed exclusions are about other perils and companion policies. 4
Standalone E&O or MediaTech Bundle
Embroker offers professional liability as a standalone product. Beazley includes E&O only in MediaTech with technology, media and cyber coverage. Choose based on whether you want E&O separate or bundled, and check whether a shared aggregate could limit what remains for an E&O claim. 4 1 3
Compare Deductible and Limit Terms
Embroker offers aggregate or first-dollar-defense deductible options. Beazley’s sample form shares the MediaTech aggregate unless the declarations set a separate amount. Ask for the actual deductible and E&O limit from each quote. 4 3
What Should You Confirm in Beazley and Embroker Professional Liability (E&O) Insurance Quotes?
- Ask Beazley whether your exact profession and services fit its MediaTech definition. 3
- Ask Embroker which deductible option is available and whether you need separate cyber, GL or EPLI cover. 4
- Confirm whether Beazley provides a separate E&O limit or a shared aggregate. 3
- Get the actual insurer, limit, retention and premium from both. 2 4
Beazley vs Embroker Professional Liability (E&O) Insurance Compared
Beazley vs Embroker: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Beazley MediaTech for Small Businesses | Embroker Professional Liability Insurance |
|---|---|---|
| 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. 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. 3Company-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. | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 4Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting. |
| How to Apply | 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. 2Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance. | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. 4Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. |
| Coverage Features | 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. 3Company-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. 3Company-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. | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 4Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). 4Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections. |
| Role in This Line | 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. | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. 4Company-reported. Product-page description; not a statement about the issuing insurer. |
