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

Heffernan Insurance Brokers shops E&O across insurers for sole proprietors through fast-growing companies in many industries, building custom packages when needed. Beazley is the underwriter of a single MediaTech form with cyber and media bundled in.

Beazley’s sample MediaTech form defines E&O and excludes professions such as lawyers and architects; Heffernan says it can custom-design E&O for sectors outside its named list. ^3,⁴

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

How Much Policy Detail You Can Review

Beazley’s sample MediaTech form spells out its professional wrongful-act trigger:

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.

Heffernan describes E&O generally as protection when a product or service problem causes financial loss to a client, but its small-business page gives no comparable definition or exclusions. Ask Heffernan for the form and endorsements before comparing it with Beazley’s language. ⁴

Profession Eligibility and Custom Industry Support

Beazley’s form excludes accountants, architects, lawyers and certain other licensed professions from its E&O definition. Heffernan says it can custom-design packages for industries that are not on its list. If your work is in a listed Beazley exclusion or an unlisted Heffernan sector, get written confirmation of how your services will be covered. ³ ⁴

Package and Quote Information

Beazley offers E&O within MediaTech alongside technology, media and cyber; Heffernan lists E&O among the small-business lines it places. Neither reviewed page gives your actual premium and limits. Compare an itemized quote for each line you want. ¹ ⁴

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

Ask Heffernan for the policy wording, exclusions and quote time for your industry. ⁴
Ask Beazley whether your services fit the MediaTech trigger. ³
Request actual limits, retentions and premiums and identify the issuing insurer. ⁴ ²
Confirm whether Beazley’s E&O limit is separate or shared with media and cyber. ³

Beazley vs Heffernan Insurance Brokers Professional Liability (E&O) Compared

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

Criteria	Beazley MediaTech for Small Businesses	Heffernan Professional Errors and Omissions Brokerage
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.	Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23.
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.	Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.
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.	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.

Criteria

Beazley MediaTech for Small Businesses

Heffernan Professional Errors and Omissions Brokerage

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.

Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23.

Coverage Features

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.

Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.

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.

Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ⁴Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.