Beazley vs Gallagher: How Do They Compare for Tech E&O Insurance?

Gallagher puts a technology practice of more than 250 professionals behind placing Tech E&O with outside carriers. Beazley sells MediaTech as a bundled small-business form that adds media and cyber cover.

Beazley suits small tech businesses that want Tech E&O, media and cyber in one MediaTech policy with Beazley's own tech claims litigators; Gallagher suits growing or global tech companies that want a broker combining E&O and cyber across insurers. Gallagher publishes no limits or insurers. ^1,^2,⁴

What Are the Key Differences Between Beazley and Gallagher Tech E&O Insurance?

Small-Business Package vs a Broker for Every Size

Beazley writes MediaTech for small businesses, bundling technology E&O with professional E&O, media and cyber, and places it through third-party platforms or email. Its application asks for headcount, three years of US and non-US revenue, managed-IT revenue share and ransomware controls. Gallagher's Technology practice places a combined professional-services E&O and cyber policy with outside insurers for startups through global enterprises, citing more than 7,500 tech and telecom clients and over $1 billion in annual premium placed. Choose Beazley if you're a small tech or media business that wants one known policy; choose Gallagher if you're scaling and want insurers compared. ¹ ² ⁴

Insurer Claims Litigators vs Broker Client Tools

Beazley's cyber and tech claims team, including litigators, has handled software-failure, implementation and IP E&O claims, on a claims-made form with defense costs inside the limit. Gallagher offers more than 250 dedicated staff and client tools such as Drive, Go, STEP, Submit and Verify, and publishes no Tech E&O limits. With Beazley, the people handling your claim work for the insurer you bought from; with Gallagher, claims handling depends on the insurer it chooses. ¹ ³ ⁴

What Should You Confirm in Beazley and Gallagher Tech E&O Insurance Quotes?

Ask Gallagher which insurer it proposes; Beazley's application names Beazley Insurance Company, Inc. ⁴ ²
Ask whether Gallagher's quote combines E&O and cyber, and whether MediaTech's media cover is included in yours. ⁴ ¹
Compare limits, retentions, patent and trade-secret exclusions, and tail options. ³ ⁴

Beazley vs Gallagher Tech E&O Insurance Compared

Beazley vs Gallagher: Tech E&O Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
Coverage Features	The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.	Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ⁴Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁴Company-reported. Group-level technology industry practice page.

Criteria

Beazley MediaTech for Small Businesses

Gallagher Technology Errors and Omissions (Tech E&O) Insurance

Coverage Features

The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.

Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ⁴Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.

Role in This Line

Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.

Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁴Company-reported. Group-level technology industry practice page.