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Beazley vs Foxquilt

For a U.S. technology or business-services firm whose work spans software delivery, professional services, published media, and customer data, Beazley markets U.S. small-business MediaTech across technology and professional E&O, media, and cyber; its linked 2019 sample makes IP terms a specific question. Foxquilt markets small-business claims-made E&O to technology and creative professions in the U.S. and Canada and shows an online quote-and-buy route. Compare current forms, issuer, and terms before treating either route as a fit. 1,3,26

Introduction

For a U.S. software or technology-services firm that also delivers other professional services, publishes content, or handles customer data, the products describe different starting points. Beazley’s current U.S. small-business MediaTech page lists technology and professional E&O, media, and cyber coverage in one form; its cyber examples span breach response and first- and third-party losses. Foxquilt’s E&O page lists online availability in the U.S. and Canada, names technology and creative professions, describes claims-made E&O, and presents an online quote-and-buy path. If you need to examine those technology, media, and cyber exposures together, compare Beazley’s actual MediaTech proposal first; if your immediate need is professional liability for a listed small-business class and an online purchase route, evaluate Foxquilt’s E&O quote. Neither page establishes the terms or eligibility of your policy, so compare the proposed forms against the same services, content, and data risks. 1 26

The distinction is practical: Beazley’s page describes online and offline media allegations—including defamation, privacy, plagiarism, and specified copyright or trademark disputes—alongside technology and professional services. Foxquilt describes E&O for professional-service financial loss and lists technology and creative classes, but its public E&O page does not establish that a particular quote includes the same media or cyber scope. Beazley’s own examples involve software errors affecting insurance-reimbursement submissions and a platform that misrecorded telecommunications customers’ data usage; they are company illustrations, not proof of coverage or a promised claims outcome. Ask both providers how the actual policy would treat your software failure, media/IP allegation, and privacy or security event. 1 26

There is an important wording tension for IP risks. Beazley’s current product page advertises media coverage that includes a wide range of trade-secret claims and specified copyright/trademark allegations, while the linked F00731 February 2019 sample contains exclusions for some patent and trade-secret claims tied to technology or products. The older sample neither proves a present exclusion nor resolves the current marketing scope; ask Beazley to identify the operative clause and exclusions in the form offered to you. 1

Review exclusions before relying on MediaTech for IP disputes: the linked February 2019 sample excludes patent infringement and trade-secret misappropriation tied to technology or other products and restricts contractual liability and retroactive dates. It is not current quote wording. 3,5Company-reported. F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.

The catalogue below records marketed line names, not comparable policy forms. Foxquilt’s broader E&O page includes technology and creative classes but does not establish a separate technology E&O form. Ask for each proposed form and endorsements before treating a catalogue label as a coverage match. 26

Read several Foxquilt rows narrowly: hired and non-owned auto is shown as a commercial-auto feature; technology and creative are classes within broader E&O, not a separately established technology form; the product page documents umbrella but not separate excess; and the cleaner program describes limited mobile-equipment/inland-marine and crime coverage, not a bond product just because a heading says Crime/Bonds. These labels do not establish separate policies or equivalent terms. 24 26 36 38 37

Coverage Comparison

CoverageBeazleyFoxquilt
Builders riskNot listedListed 31Builder’s risk product page; policy-specific construction terms not established.
Business owner’s policyNot listedListed 22Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
Commercial autoNot listedListed 28Commercial auto product page; HNOA is not split out.
Commercial propertyListed 15Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.Listed 30Commercial property product page.
CrimeListed 11Beazley offers commercial crime insurance.Listed 37,38Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.
Cyber liabilityListed 1,9Beazley offers cyber insurance for small and midsized businesses.Listed 29Cyber product page; policy terms and limits not established.
Directors and officersListed 10Beazley offers directors and officers liability insurance for private organizations through ExecuGuard.Not listed
Employment practices liabilityListed 10Beazley offers employment practices liability insurance for private organizations through ExecuGuard.Not listed
Fidelity bondsListed 11Beazley offers fidelity bonds for financial institutions.Not listed
Fiduciary liabilityListed 10Beazley offers fiduciary liability insurance for private organizations through ExecuGuard.Not listed
General liabilityListed 17,13Beazley offers general liability insurance in packages such as its environmental-services policy.Listed 25,23Company CGL product page; line-specific CGL membership only.
Hired and non-owned autoListed 17Beazley offers hired and non-owned auto coverage within its environmental-services package.Listed 24Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established.
Management liabilityListed 10Beazley offers management liability insurance for private organizations through ExecuGuard.Not listed
Media liabilityListed 1Beazley offers media liability insurance through MediaTech for small technology and business-services companies.Not listed
Medical malpracticeListed 13,14Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations.Not listed
Product liabilityListed 14Beazley offers product liability insurance for middle-to-large life-sciences organizations.Not listed
Product recallListed 16Beazley offers product recall insurance through its manufacturing risk product.Not listed
Professional errors and omissions (E&O)Listed 1,17Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.Listed 26Professional E&O product page.
Representations and warrantiesListed 12Beazley offers representations and warranties insurance.Not listed
Technology errors and omissions (E&O)Listed 1Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.Listed 26Technology/creative class within broader E&O; no separate technology form established.
Tools, equipment and inland marineNot listedListed 22,38Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms.
Umbrella and excess liabilityNot listedListed 22,36Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established.
Virtual care and telehealthListed 13Beazley offers virtual care insurance for digital-health businesses.Not listed
Workers’ compensationNot listedListed 27Workers’ compensation page; state requirements vary.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Beazley

Hybrid provider

Broker

6.9/ 10

Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.

Carrier & MGA

5.5/ 10

Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.

Provider assessment

Foxquilt

Managing general agent

Carrier & MGA

No Spot Score

Assessment subject unavailable

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Beazley

5.6/ 10

Review Score

1 rated source

Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]

Read Beazley reviews

Foxquilt

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]

Read Foxquilt reviews

Which Businesses and Products Are Named?

Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 1,13,14Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources.

Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 22,25,26Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

Application and Policy Review

Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 1,2Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested.

Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 25,26,21Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

There is also a concrete limit question. Beazley’s F00859 042022 application says its liability cover is claims-made and reported, and warns claims expenses reduce and may exhaust the liability limit subject to retentions. Foxquilt’s E&O page says legal-defense costs are included and shows that in its online buying illustration, but does not say whether those costs erode the proposed limit. For each quote, ask whether defense costs sit inside or outside the applicable limit, which retention applies, and how much limit remains for other covered payments after defense expense. The Beazley notice is from the 2022 application, not confirmation of current issued wording; the Foxquilt display is marketing, not your quote or policy. 2 26

Questions to Ask Before Binding

  • For MediaTech, which policy edition and endorsements would apply, and how do those terms address your technology services/products, professional services, published media, privacy/security events, IP allegations, and claims-made reporting? The linked sample is F00731 from February 2019, not your quote. 1 3 2
  • For Foxquilt’s E&O, does the proposed form address the specific software work you perform, the media/IP allegations you face, and any privacy or cyber exposure—or should those risks be quoted separately? Ask for the actual issuer, retroactive date, defense-cost treatment, limits, exclusions, and reporting terms; the profession list and online illustration do not answer those questions. 26
  • Which Beazley underwriting company or syndicate, or Foxquilt’s product-specific issuer, will be named on the quote and policy? These company brands do not identify the issuer for every product or jurisdiction. 2 7 23 32

Compare Services

What each provider documents about the services you may need

CriteriaBeazleyFoxquilt
Customer focus

Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 1,13,14Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources.

Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 22,25,26Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

Sources

Beazley Official Website

  1. MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
  2. Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
  3. Beazley MediaTech Sample Policy. Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
  4. Beazley MediaTech Renewal Application. Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
  5. Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
  6. US Web Services Terms of Use. Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
  7. US Contingency Toolkit. Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
  8. Notify a Claim. Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
  9. Full Spectrum Cyber for Small Businesses. Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
  10. Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
  11. Crime and Fidelity. Beazley; What we offer: Commercial Crime (commercial companies) and Financial Fidelity Bonds (financial institutions); fraudulent instruction condition. Accessed 2026-09-16.
  12. Mergers & Acquisitions. Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
  13. Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
  14. Life Sciences. Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16.
  15. North American Commercial Property. Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). Accessed 2026-09-16.
  16. Product Recall – Manufacturing Risk and Response. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  17. Environmental Package Policy (BeazleyOne Environmental). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
  18. Beazley US Marine. Beazley; Beazley US Marine: What we offer: Marine Hull and Marine Liability, primary and excess. Accessed 2026-09-16.
  19. US Specialty Programs. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  20. Explore All Products. Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

Foxquilt Official Website

  1. Commercial Insurance, Business Liability Coverage | Foxquilt. Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
  2. About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
  3. Become a Foxquilt Agent/Broker Partner. Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
  4. Other Coverages. Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
  5. Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
  6. Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
  7. Workers’ Compensation Insurance. Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.
  8. Commercial Auto Insurance. Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
  9. Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
  10. Commercial Property Insurance. Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
  11. Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
  12. Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
  13. Foxquilt Insurance Services | Consumer & Privacy Info. Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
  14. Agency Detail: Foxquilt Insurance Services LLC. Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
  15. Foxquilt official website. Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
  16. Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
  17. Smarter Crime Insurance. Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. Accessed 2026-09-29.
  18. Cleaner Insurance Program by Foxquilt. Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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