Beazley vs HUB International: How Do They Compare for Tech E&O Insurance?

HUB International is the route if you want a broker to customize E&O, and it reports insuring more than 5,000 technology companies. Beazley's MediaTech is a small-business form placed through platforms or email.

Beazley insures small tech businesses directly through MediaTech, a claims-made policy where defense costs reduce your limit and a tail is optional. HUB is a broker that shops tech E&O for startups and established firms and can arrange prior-acts and tail cover. ^1,^3,^2,^4,⁵

What Are the Key Differences Between Beazley and HUB International Tech E&O Insurance?

A Small-Business Policy From the Insurer vs a Broker for Any Size

Beazley underwrites MediaTech, its vehicle for small-business tech E&O, and places it through third-party platforms or by email. HUB doesn’t underwrite; its E&O and technology practices send you to a broker, serve startups and established software, hardware and digital-media firms, and say they insure more than 5,000 technology companies. Choose Beazley if you’re a small tech business that wants a known form; choose HUB if you’re larger or want several insurers compared. ¹ ⁴ ⁵

Defense Inside the Limit vs Not Stated

Beazley’s sample form is claims-made and reported, and defense costs reduce the limit, so a long lawsuit leaves less for a settlement. HUB’s E&O materials don’t say whether defense sits inside or outside the limit; you’ll learn that from the quote. ³ ⁴

Optional Tail vs Prior Acts and Tail Negotiated

Beazley offers an Optional Extension Period after non-renewal or cancellation, letting you report claims after the policy ends. HUB says E&O can include prior-acts cover back to a retroactive date plus tail coverage, which protects you when you switch insurers. ³ ⁴

What Should You Confirm in Beazley and HUB International Tech E&O Insurance Quotes?

Check the retroactive date and tail on both quotes. ³ ⁴
Ask HUB whether defense costs reduce the limit on its placement. ³ ⁴
Ask HUB which insurer it proposes. Beazley’s application names Beazley Insurance Company, Inc. ⁴ ²
Get per-claim and aggregate limits; HUB publishes none. ⁴ ³

Beazley vs HUB International Tech E&O Insurance Compared

Beazley vs HUB International: Tech E&O Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	HUB International Technology Errors and Omissions Insurance
How to Apply	Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance. Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁴Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁴Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
Role in This Line	Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^4,⁵Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.

Criteria

Beazley MediaTech for Small Businesses

HUB International Technology Errors and Omissions Insurance

How to Apply

Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. ²Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance.

Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.

HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁴Company-reported. Product-page call to action as read 2026-09-23.

Coverage Features

The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.

HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁴Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.

Role in This Line

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

HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^4,⁵Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.