---
title: "Beazley vs Hiscox: Professional Liability (E&O) Insurance"
description: "Hiscox sells standalone E&O online in 49 states and Washington, D.C.; Beazley includes professional E&O only inside its bundled MediaTech form."
canonical: "https://spot.insure/compare/beazley-vs-hiscox/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-hiscox"
provider-a: "beazley"
provider-b: "hiscox"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Beazley and Hiscox 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 Hiscox. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Beazley and Hiscox.
- 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 Hiscox](https://spot.insure/compare/beazley-vs-hiscox) — 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
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile

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

Hiscox, a licensed insurance intermediary, sells professional liability online to small businesses in 49 states and DC, excluding Alaska. Beazley sells E&O bundled inside MediaTech alongside technology E&O, media and cyber.

Hiscox sells standalone E&O online to eligible small businesses; Beazley includes professional E&O only inside its bundled MediaTech form.

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

Hiscox sells standalone E&O online in 49 states and Washington, D.C.; Beazley includes professional E&O only inside its bundled MediaTech form. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

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

### Both Name an Insurer, on Different Documents

Beazley's Digital MediaTech Application names Beazley Insurance Company, Inc. on its cover page. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") Hiscox names its underwriter in a different place entirely:

Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. [7](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business professional liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..)

Beazley's name appears on the blank application form itself; Hiscox's appears in its appetite guide and about-us page rather than the application. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

### A Standalone Direct Sale Versus a Bundled Form

Hiscox sells professional liability directly online to small businesses in 49 states and D.C. (excluding Alaska), as its own named product. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") Beazley instead sells professional E&O only bundled inside MediaTech, alongside technology E&O, media liability, and cyber coverage in one small-business form. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

### Claims-Made Structure on Both Sides

Hiscox describes professional liability as a claims-made policy: covered only if the claim is made and typically reported while the policy is active. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") Beazley's sample MediaTech form is also claims-made and reported, but adds a purchasable Optional Extension Period that Hiscox's FAQ does not describe for its own product. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

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

- Confirm Hiscox Insurance Company Inc. is the specific entity on your declarations, since the exact contracting entity can vary by channel. [7](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Confirm the specific insurer on your Beazley declarations, since the blank application names Beazley Insurance Company, Inc. generally. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")
- Ask whether Hiscox sells professional liability online in your state or requires a specialist broker. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")
- Ask Beazley for the specific tail pricing and duration of its Optional Extension Period. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Ask whether Beazley's declarations set a separate E&O limit or share the Policy Aggregate Limit 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 Hiscox Professional Liability (E&O) Insurance Compared

| Criteria | Beazley MediaTech for Small Businesses | Hiscox 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. [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..) | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) |
| 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..) | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy..) |
| 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..) | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated online small-business channel..) |
| Issuing Insurer | Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. [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; not a regulator record and not evidence of the entity for every state or route..) | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. [7](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business professional liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..) |
| Claims Support | Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims, which it describes as including implementation errors alongside software failures and IP disputes. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified..) | A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time..) |

## About Beazley and Hiscox and Professional Liability (E&O) Insurance

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

## Related Pages for Beazley vs Hiscox Professional Liability (E&O)

- [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox): 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)
- [Hiscox Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hiscox/professional-errors-omissions)

## Sources for Beazley vs Hiscox Professional Liability (E&O) Insurance

### 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 Hiscox

4. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
5. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
6. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
7. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.

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.

## Agent and Developer Resources

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