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Beazley vs Gallagher

Compare Beazley MediaTech and Gallagher brokerage for a small technology company concerned about IP terms, claims-made continuity and California placement.

Introduction

A small technology company offered Beazley MediaTech needs to evaluate the current policy, not only the package’s technology, media and cyber labels. Gallagher is a broker whose technology practice can help arrange and coordinate coverage; Beazley is the specialty insurance group behind the marketed product. They address different decisions, and the reviewed sources do not establish a Gallagher placement arrangement for MediaTech. 1 5 22

Where Each Provider Shines

Where Beazley Shines

  • Technology E&O, media and cyber in one MediaTech form 1
  • Execuguard can separate or share executive-risk limits 10

Where Gallagher Shines

  • Technology specialists for startups through global enterprises. 22,27
  • Executive-risk and transaction support, including IPOs and M&A. 23

Coverage Comparison

Coverage TypeBeazleyGallagher
Builders riskNot listedListed 31
Business owner’s policyNot listedListed 26
Commercial autoNot listedListed 26
Commercial propertyListed 15Listed 26
CrimeListed 11Listed 23
Cyber liabilityListed 1,9Listed 22
Directors and officersListed 10Listed 23
Employee health and benefitsNot listedListed 22
Employment practices liabilityListed 10Listed 23
Equipment breakdownNot listedListed 31
Fidelity bondsListed 11Listed 23
Fiduciary liabilityListed 10Listed 23
General liabilityListed 17,13Listed 26
Hired and non-owned autoListed 17Not listed
Intellectual propertyNot listedListed 22
Kidnap and ransomNot listedListed 23
Management liabilityListed 10Not listed
Media liabilityListed 1Not listed
Medical malpracticeListed 13,14Not listed
Product liabilityListed 14Listed 22
Product recallListed 16Listed 32
Professional liability / E&OListed 1,17Listed 26
Representations and warrantiesListed 12Listed 23
Surety bondsNot listedListed 27
Technology errors and omissionsListed 1Listed 22
Umbrella and excess liabilityListed 18Listed 30
Virtual care and telehealthListed 13Not listed
Workers’ compensationNot listedListed 26

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Beazley and Gallagher

Use the Sample Form to Frame Questions, Not Promise Current Coverage

The linked MediaTech sample form is dated February 2019. It excludes patent infringement and trade-secret misappropriation related to technology or other products, and contains contractual-liability and retroactive-date restrictions. The sample is not evidence of the wording that will be offered today. 3,5

For a software company signing IP indemnities, those sample exclusions are a reason to request current wording and review the contract exposure. They are not proof of today’s offered exclusions or evidence that Gallagher automatically supplies broader protection. Gallagher’s technology practice markets intellectual-property risk coverage, but the proposed policy determines what that means for patents, trade secrets and other disputes. 3 22

Check Continuity and Limits When Replacing Coverage

The posted Digital Media Tech application says liability coverage is claims-made and reported: the claim must be made and reported within the applicable policy terms. It also warns that claims expenses reduce the liability limit and are subject to retentions. 2

The posted application and renewal form help identify questions about reporting, prior acts and defense costs. If changing a policy during a brokerage move, ask the advisor to compare the expiring and proposed terms and document any continuity issue. The public renewal form does not promise renewal or a policy-change turnaround. 2 4

Keep Product-Specific Eligibility and Services Apart

Beazley’s Virtual Care package addresses digital-health exposures, while its Life Sciences products target different organizations. A company delivering healthcare through software should have its actual activities evaluated rather than assume ordinary MediaTech includes healthcare professional liability. Gallagher’s general technology description likewise does not decide the correct healthcare placement. 13 14 22

Beazley’s small-business cyber page describes broker-platform criteria and security services for that cyber route. Those criteria are not MediaTech eligibility rules. California MediaTech availability, issuer and admitted or surplus-lines status remain unresolved in the reviewed materials. 9 6 2

What to Confirm in Quotes

  • Provide the current form and endorsements addressing technology services, IP indemnities and any healthcare work.
  • Compare retroactive dates, reporting requirements, defense-cost treatment and limits with the expiring policy.
  • Name the California issuing insurer, placement basis and authorized producer.
  • Which response services belong to this exact product, and what separate brokerage or vendor charges apply?

Service Comparison

Beazley vs Gallagher: documented services and availability

CriteriaBeazleyGallagher
Business role

Beazley is a specialty insurance group operating through insurance companies and underwriting businesses. Its US disclosures distinguish the insurance entities from Beazley USA Services, Inc., which reports doing business in California as Beazley Insurance Services under license 0G55497. This is a company disclosure, not an independently verified license record. 5,6,7

Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. 22,23

Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. 21

Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. 25,21

Customer focus

Beazley markets MediaTech to small technology and business-services companies. Its separate Virtual Care offering addresses digital-health businesses, while its Life Sciences page targets middle to large organizations. 1,13,14

Gallagher markets a technology-specialist practice to startups, middle-market businesses and global enterprises, alongside a small-business offering for IT professionals and technology businesses. 22,27

The reviewed technology and small-business pages do not state a minimum premium, funding round or revenue requirement for engaging the team. Ask which service model applies to a bootstrapped business. 22,27,28

Application process

Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. 1,2

The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. 28,29

Access to insurers

The posted Digital Media Tech application names Beazley Insurance Company, Inc. Beazley’s broader disclosures also describe surplus-lines business through Beazley Excess and Surplus Insurance, Inc. or Beazley-managed Lloyd’s syndicates. The actual MediaTech insurer and California placement basis must be identified in the quote. 2,7

Gallagher describes access to multiple insurance markets. Its executive-risk practice says it considers carrier qualifications and client preferences when selecting potential underwriters; these pages do not identify the insurer that would write a specific startup’s policy. 26,23

Servicing and renewals

Beazley publishes a MediaTech renewal application. The reviewed renewal form and product page do not establish a guaranteed renewal, dedicated account manager, or turnaround commitment for policy changes. 4,1

Full Spectrum Cyber for small businesses combines Beazley Breach Response with security tools and services. Beazley describes incident-response coordination and discounted vendor services. Its myBeazley quote-and-bind route is for brokers handling accounts below $35 million in revenue and limits no higher than $5 million; these are cyber-route criteria, not MediaTech eligibility rules. 9

Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. 22

For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. 21

Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. 30

Sources

Beazley Official Website

  1. MediaTech for Small Businesses. Beazley; What we offer; How can we help; 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; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
  11. Crime and Fidelity. Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; 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; Who we can help. Accessed 2026-09-16.
  15. North American Commercial Property. Beazley; Coverage highlights; Who we can help; Where is this offered. 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; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
  18. Beazley US Marine. Beazley; 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.

Gallagher Official Website

  1. Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
  2. Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
  3. Executive and Financial Risk Insurance. Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
  4. Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
  5. Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
  6. The Right Insurance for Your Small Business. Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
  7. Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
  8. Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
  9. Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
  10. Casualty Insurance. Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
  11. Property Insurance. Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
  12. Product Recall Insurance. Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
  13. AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

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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