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

Embroker sells a blended Tech E&O and cyber policy directly to technology companies and through appointed brokers; its broker program targets private tech companies under $300 million in revenue. Beazley's small-business MediaTech is placed through platforms or email.

Embroker lets private tech companies under $300 million in revenue get a tech E&O and cyber quote online, with limits up to $5 million but no crypto, blockchain or cannabis firms. Beazley bundles tech E&O with media and cyber in its small-business MediaTech policy, submitted through platforms or email. ^5,^4,^1,²

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

Online Quote for Tech Companies vs Small-Business Bundle via Platforms

Both put professional and cyber cover in one product. Embroker sells blended tech E&O and cyber directly, with an online quote, and through brokers via Embroker Access, to private for-profit tech companies under $300 million in revenue. Beazley places its small-business MediaTech bundle, which adds media liability, through third-party platforms or email, with no published revenue cap. Choose Embroker if you are a private tech company that wants a quote online today; choose Beazley if you are a small media or tech business, or in crypto or cannabis. ⁴ ⁵ ¹

Published Gating Rules vs None Published

Embroker requires multifactor authentication once you pass $5 million in revenue and excludes crypto, blockchain and cannabis businesses. Beazley publishes no such rules for MediaTech. If you fall into one of those groups, Embroker is out. ⁵ ¹

$5 Million With Sub-Limits vs Claims-Made Terms on the Form

Embroker advertises limits up to $5 million for most insuring agreements, with named sub-limits; its excess layer can’t sit above its own primary, so excess needs a different insurer underneath. Beazley publishes no maximum limit, but its form is claims-made, puts defense costs inside the limit so legal fees reduce what is left for damages, and offers an optional tail. ⁵ ³ ²

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

Check your revenue, MFA use and industry against Embroker’s rules, and ask whether you qualify for MediaTech. ⁵ ¹
Ask both how copyright and software-code infringement are treated; Embroker’s own pages conflict on IP. ⁴ ⁵ ³
Ask for sub-limits, tail pricing and the issuing company; Beazley’s application names Beazley Insurance Company, Inc. ⁵ ²

Beazley vs Embroker Tech E&O Insurance Compared

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

Criteria	Beazley MediaTech for Small Businesses	Embroker Technology Errors and Omissions / Cyber 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.	Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). ⁵Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page. Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. ⁴Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.
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.	Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. ^4,⁵Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.
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.	Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. ⁴Company-reported. Retail product-page What's covered section; the issued policy and declarations control.
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.	Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. ^4,⁵Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.