---
title: "Beazley vs Heffernan Insurance Brokers: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-heffernan/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-heffernan"
provider-a: "beazley"
provider-b: "heffernan"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-heffernan/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Beazley and Heffernan Insurance Brokers for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Beazley versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Heffernan Insurance Brokers for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Beazley or Heffernan Insurance Brokers?
- What does Beazley or Heffernan Insurance Brokers publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Beazley and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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.

Businesses in an unlisted sector can ask Heffernan about a custom E&O package; Beazley MediaTech offers a defined bundle only to firms whose services meet its policy definition.

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

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](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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. [3](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, 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### 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](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### 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](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask Beazley whether your services fit the MediaTech trigger. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Request actual limits, retentions and premiums and identify the issuing insurer. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")
- Confirm whether Beazley’s E&O limit is separate or shared with media and cyber. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

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

| 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. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [3](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, insuring agreements and definitions; the issued policy's wording and any endorsements control..)<br><br>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. [3](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, 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [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 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. [4](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found..) |

## About Beazley and Heffernan Insurance Brokers

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Beazley vs Heffernan Insurance Brokers

- [Beazley vs Heffernan Insurance Brokers](https://spot.insure/compare/beazley-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Beazley Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/beazley/professional-errors-omissions)
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions)

## Sources for Beazley vs Heffernan Insurance Brokers

### Sources About Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; SME placement paragraph; claims team paragraph. Accessed 2026-09-23.
2. [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.; page 1 claims-made-and-reported notice and General Information; page 1-2 Revenue Information. Accessed 2026-09-23.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Media, Tech, Data & Network Liability insuring agreement; Definitions: Tech & Professional Services Wrongful Act, Professional Services; Limit of Liability and Coverage; Optional Extension Period. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

4. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. Accessed 2026-09-23.

Updated 2026-09-25. 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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