Beazley vs Harper: How Do They Compare for Professional Liability (E&O) Insurance?

Consultants, agencies and tech firms whose work is advice or design can ask Harper, a broker that matches coverage to client contracts and issues the certificate the same day. Beazley's MediaTech form instead packages E&O with media and cyber.

Harper says it reviews exclusions line by line; Beazley bundles E&O, technology, media and cyber but excludes accountants, architects and lawyers from its sample definition. ^5,^6,¹

What Are the Key Differences Between Beazley and Harper Professional Liability (E&O) Insurance?

Match the Policy to Your Contract

Harper lists “Professional Liability” and “Errors and Omissions” as the same product under different names:

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^5,⁶Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

Harper also says it reviews exclusions line by line before purchase. Beazley’s sample MediaTech form instead defines Professional Services and excludes several categories, including accountants, architects, lawyers and some engineers. If a client contract sets specific E&O wording, ask Harper to compare the actual form against it; if you want MediaTech, verify your work is not excluded. ⁴ ³

Standalone Review or Bundled Coverage

Beazley includes E&O only with technology, media and cyber in MediaTech. Harper’s reviewed pages describe E&O as a separate listed product. Ask whether Harper will place the coverage as a standalone policy and compare the full limits and exclusions. ¹ ⁵

Quote Details

Harper does not publish limits or the issuing insurer for E&O. Beazley provides a sample application but the declarations confirm the policy terms. Request the actual policy, limits and premium from both. ⁴ ²

What Should You Confirm in Beazley and Harper Professional Liability (E&O) Insurance Quotes?

Ask Harper to compare its exclusions with any client-contract requirements. ⁴
Confirm your services fit Beazley’s Professional Services definition. ³
Request each policy’s limit, retention, premium and issuer. ⁴ ²
Ask Beazley whether E&O has a separate limit or shares MediaTech’s aggregate. ³

Beazley vs Harper Professional Liability (E&O) Insurance Compared

Beazley vs Harper: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	Harper Professional Liability Insurance
How to Apply	Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.	You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ⁴Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.
Coverage Features	The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ³Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.	Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^4,⁵Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.
Role in This Line	Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.	Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ⁴Company-reported. Professional liability page introduction and 'Why Harper' section. Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^5,⁶Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

Criteria

Beazley MediaTech for Small Businesses

Harper Professional Liability Insurance

How to Apply

Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.

You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ⁴Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.

Coverage Features

The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ³Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^4,⁵Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

Role in This Line

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

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ⁴Company-reported. Professional liability page introduction and 'Why Harper' section.