Beazley vs 
Gallagher Cyber Insurance
Gallagher segments cyber by which of two brokerage teams handles the account; Beazley segments by which of two underwritten products fits the business.
What Is Beazley?
Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. 1,2,3,4
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 8,9,10,11,12
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 15
Key Differences in Cyber Insurance
How Each Segments Accounts
Gallagher splits cyber placement between two teams: Gallagher Small Business arranges coverage for smaller accounts, while its group-level practice places cyber with its own risk-consulting services for larger clients; neither underwrites the policy itself. 13 Beazley instead segments by product rather than distribution channel — Full Spectrum Cyber for accounts under $35 million in revenue, or the cyber component of its broader MediaTech form for a different mix of coverages.
For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. 5,1Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.
Services by Segment
Gallagher's group-level cyber practice gives larger clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team including cyber forensic accountants, a service level its small-business product page doesn't describe as included. 14 Beazley's small-business cyber instead gives every Full Spectrum Cyber policyholder discounted access to third-party vendor tools — anti-phishing services, email security, cyber risk analysis — through its Beazley Security partnership. 5
Coverage Description
Gallagher's small-business page describes first-party coverage for a breached business and third-party coverage for a resulting customer lawsuit, covering notification, credit monitoring, legal fees and regulatory fines. 13 Beazley's sample form names its insuring agreements more specifically — Breach Response Costs, Cyber Extortion Loss, eCrime — and shares one aggregate limit with its bundled MediaTech coverages unless stated otherwise on the declarations. 6
What to Confirm in Cyber Insurance Quotes
- Ask Gallagher which team, and which service level, would actually handle your account, since eRiskHub access is described only for the group-level practice. 14
- Ask Beazley for the issuing insurer, since neither reviewed page names one. 5 13
- Get specific limits from Gallagher, since its pages don't publish them beyond an illustrative claim example. 13
- Confirm whether your Beazley cyber coverage shares an aggregate with unrelated MediaTech coverages. 6
Offering Details
Beazley vs Gallagher Cyber Insurance: documented features by provider
| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Gallagher Cyber Liability Insurance |
|---|---|---|
| Role in This Line | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. 5,1Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately. | Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. 13,14Company-reported. Small-business cyber product page and the group-level cyber liability page. |
| Issuing Insurer | The Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. 5,7Not found in reviewed sources. Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record. | Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. 13,14Not publicly disclosed. Checked both pages on 2026-09-23. |
| Who It’s For | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. 5Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting. | Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. 13Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting. |
| Coverage Features | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. 6Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording. | Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. 13Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. 13Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business. |
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. 6Company-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, and may differ for a stand-alone Full Spectrum Cyber policy. | Neither page publishes specific cyber coverage limits, retentions or premium ranges; the small-business page's $60 million claim example is an illustrative scenario, not a stated policy limit. 13,14Not publicly disclosed. Checked both pages on 2026-09-23. |
| Risk Services | Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. 5Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page. | For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. 14Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product. |
| How to Apply | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. 5,7Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal. | Not described in the reviewed sources. |
| Claims Support | Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. 5Company-reported. Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified. | Not described in the reviewed sources. |
Full Comparison
More Beazley vs Gallagher Comparisons
Other Cyber Insurance Comparisons
Sources
Beazley
- MediaTech for Small Businesses. Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- 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.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Full Spectrum Cyber for Small Businesses. Beazley; What we offer: Beazley Breach Response, integrated cyber risk management services, Beazley Security partnership; Beazley Breach Response Services; Vendor Services; Eligibility and myBeazley platform paragraph. Accessed 2026-09-23.
- Beazley MediaTech Sample Policy. Beazley; F00731, 022019 edition; Breach Response, Regulatory Defense & Penalties, Payment Card Liabilities & Costs, First Party Data & Network Loss and eCrime insuring agreements; Definitions: Breach Response Costs, Cyber Extortion Loss, Security Breach; Limit of Liability and Coverage. Accessed 2026-09-23.
- Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; pages 3-4 Ransomware Controls (MFA, VPN, patching, backups, security awareness training). Accessed 2026-09-23.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Cyber Liability Insurance: What is it? Who Needs It? Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
- Cyber Liability Insurance. Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
