Beazley vs Heffernan Insurance Brokers: How Do They Compare for Cyber Insurance?

Heffernan Insurance Brokers shops several carriers for healthcare, finance, retail and tech clients; Beazley sells Full Spectrum Cyber to accounts under $35 million, with discounted vendor services.

Heffernan assesses cyber exposure, shops carriers and helps you pick coverage before a policy is bound. Beazley sells Full Spectrum Cyber as its own product with Beazley Breach Response, for accounts under $35 million in revenue. ^5,¹

What Are the Key Differences Between Beazley and Heffernan Insurance Brokers Cyber Insurance?

Advice Before Placement Versus a Named Product

Heffernan maintains a cyber risk team that determines exposure, shops the market, presents options and guides selection, then arranges the policy with insurers. Beazley sells Full Spectrum Cyber as a product you bind through a broker on myBeazley, limited to accounts under $35 million in revenue with limits up to $5 million. Choose Heffernan if you want a broker to compare carriers after an exposure review; choose Beazley if you want that named small-business form and already have a Beazley broker. ⁵ ¹

What Happens After an Incident

Heffernan says a placed policy can give access to incident-response experts such as IT forensics specialists and public-relations advisors, and that its team helps with exposure assessment. Beazley describes Beazley Breach Response as mobilizing forensics, legal counsel, notification, call centers, credit monitoring and public-relations support after an incident. ⁵ ¹

How Coverage Is Specified

Heffernan describes arranged policies as covering data recovery, legal fees, notification expenses and business interruption, without publishing limits. Beazley's sample MediaTech form names Breach Response Costs, Cyber Extortion Loss, business interruption and eCrime, and can share one aggregate across bundled coverages. ⁵ ³

What Should You Confirm in Beazley and Heffernan Insurance Brokers Cyber Insurance Quotes?

Ask Heffernan which insurer would issue the policy and what limits apply; the page names neither. ⁵
Ask Beazley whether the quote is Full Spectrum Cyber or MediaTech and whether the aggregate is shared. ¹ ³
Compare Heffernan's market-wide premium range with an actual Beazley quote rather than treating either as a price. ⁵ ¹

Beazley vs Heffernan Insurance Brokers Cyber Insurance Compared

Beazley vs Heffernan Insurance Brokers: Cyber Insurance: documented features by provider

Criteria	Beazley Full Spectrum Cyber for Small Businesses	Heffernan Cyber Security Insurance Brokerage
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. ¹Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.	Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. ⁵Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite.
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. ^1,⁴Company-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.	Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ⁵Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.
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. ³Company-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.	Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ⁵Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.
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. ^1,²Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.	Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ⁵Company-reported. Cyber Security Insurance page's description of the cyber risk team.
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. ¹Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page.	Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ⁵Company-reported. Cyber Security Insurance page's services description.