Beazley vs Founder Shield Telehealth Insurance

Beazley sells Virtual Care as a single modular policy bundling healthcare professional liability, technology liability, cyber, media liability, general liability and products/completed operations for digital-health businesses, rather than separate line-item policies. ⁴Company-reported. Virtual Care product description and Available Coverages list.

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Virtual Care, Telehealth, and Telemedicine Insurance with third-party carriers rather than underwriting the policy itself. ¹¹Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Not described in the reviewed sources.

Founder Shield says it places policies, including Founder Shield Virtual Care, Telehealth, and Telemedicine Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ⁷Company-reported. General carrier-selection FAQ, not specific to this line's placements.

Beazley targets five digital-health segments with Virtual Care: telehealth/telemedicine providers, mHealth companies building wearables and apps, med-tech/devices platforms and SaaS developers, lifestyle-and-wellness businesses, and traditional in-person healthcare entities with cyber-related bodily-injury exposure. ⁴Company-reported. Virtual Care "Who we can help" section.

Beazley offers Virtual Care worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile and Spain. ⁴Company-reported. Virtual Care "Where is this offered" section.

Founder Shield markets this line to telehealth companies, hospitals and clinics offering remote services, digital health startups, and individual practitioners who see patients virtually. ¹⁰Company-reported. Virtual Care, Telehealth, and Telemedicine Insurance product page.

The Available Coverages list under Virtual Care includes Healthcare Professional Liability, Tech Services/Tech Products Liability, Cyber Liability (Beazley Breach Response or InfoSec), First Party Cyber, General Liability (claims-made or occurrence), Products/Completed Operations, Media Liability and Clinical Trials Financial Injury. ⁴Company-reported. Virtual Care Available Coverages list; actual coverage purchased depends on the modules selected and the issued policy.

Beazley highlights "affirmative coverage for claims made against an insured which results in bodily injury" as a feature of Virtual Care, distinguishing it as a policy point rather than describing every underlying module's terms. ⁴Company-reported. "The Beazley Difference" section of the Virtual Care page.

Founder Shield lists medical-malpractice claims from a virtual consultation, data-privacy breaches, technological failures that affect patient care, licensing and regulatory issues, and failure to obtain informed consent as what the policy responds to. ¹⁰Company-reported. Product page; the issued policy and declarations control actual coverage.

The reviewed page does not publish specific dollar limits or retentions for Virtual Care or its component modules. Those terms appear only on an actual quote. ⁴Not publicly disclosed. Virtual Care page as read on 2026-09-23; a supplementary product-overview PDF found in search could not be parsed for numeric limits.

Not described in the reviewed sources.

Policyholders that include the cyber module get access to Beazley Breach Response Services, which Beazley describes as covering breach-response management, information-security insurance solutions and risk-management services. ⁴Company-reported. "The Beazley Difference" section; service scope depends on whether the cyber module is selected.

Not described in the reviewed sources.

Beazley lists several downloadable application brochures for different Virtual Care coverage combinations, such as "Virtual Care - InfoSec (no First Party)" and "Virtual Care - Professional Liability," indicating a broker-submitted, module-by-module application rather than one online form. ⁴Company-reported. Tools & Resources section of the Virtual Care page.

You request Founder Shield Virtual Care, Telehealth, and Telemedicine Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^11,7Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

Beazley names a dedicated Claims Team Leader for Healthcare and several claims managers and specialists on the Virtual Care team, and directs customers to a general "Notify a Claim" channel. The page does not describe specific claims-handling procedures or timelines. ⁴Company-reported. Team listing and claims-contact links on the Virtual Care page.

Not described in the reviewed sources.