---
title: "Beazley vs Gallagher Cyber Insurance"
description: "Gallagher segments cyber by which of two brokerage teams handles the account; Beazley segments by which of two underwritten products fits the business."
canonical: "https://spot.insure/compare/beazley-vs-gallagher/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Beazley and Gallagher for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Gallagher's group-level cyber practice offers eRiskHub and a dedicated claims team that its small-business page doesn't describe, while Beazley segments coverage between its Full Spectrum Cyber and MediaTech-bundled products instead of by brokerage tier. [14](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## 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](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [9](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [11](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [12](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [15](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: 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](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") 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](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## 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](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")
- Ask Beazley for the issuing insurer, since neither reviewed page names one. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [13](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")
- Get specific limits from Gallagher, since its pages don't publish them beyond an illustrative claim example. [13](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")
- Confirm whether your Beazley cyber coverage shares an aggregate with unrelated MediaTech coverages. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## Offering Details

| 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [14](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Not found in reviewed sources; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [14](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: 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. [13](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: 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. [13](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions..)<br><br>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. [13](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [14](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: 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. [14](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: 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. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: 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

- [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Beazley vs Gallagher Commercial Property Insurance](https://spot.insure/compare/beazley-vs-gallagher/commercial-property)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [Beazley vs Gallagher D&O Insurance](https://spot.insure/compare/beazley-vs-gallagher/directors-officers)
- [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices)
- [Beazley vs Gallagher Fidelity Bonds](https://spot.insure/compare/beazley-vs-gallagher/fidelity-bonds)
- [Beazley vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/fiduciary)
- [Beazley vs Gallagher General Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/general-liability)
- [Beazley vs Gallagher Product Recall Insurance](https://spot.insure/compare/beazley-vs-gallagher/product-recall)
- [Beazley vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-gallagher/professional-errors-omissions)
- [Beazley vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-gallagher/representations-warranties)
- [Beazley vs Gallagher Tech E&O Insurance](https://spot.insure/compare/beazley-vs-gallagher/technology-errors-omissions)
- [Alliance Risk vs Beazley Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/cyber)
- [Alliance Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/cyber)
- [Amelia Risk vs Beazley Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/cyber)
- [Amelia Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/cyber)
- [At-Bay vs Beazley Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay vs Gallagher Cyber Insurance](https://spot.insure/compare/at-bay-vs-gallagher/cyber)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-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.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-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.
6. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). 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.
7. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). 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

8. [Technology Insurance](https://www.ajg.com/industries/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.
9. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
10. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
11. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
12. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
13. [Cyber Liability Insurance: What is it? Who Needs It?](https://www.gallaghersmallbusiness.com/insurance-products/cyber/). 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.
14. [Cyber Liability Insurance](https://www.ajg.com/insurance/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

15. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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