---
title: "Beazley vs HUB International: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-hub-international"
provider-a: "beazley"
provider-b: "hub-international"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-hub-international/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Beazley and HUB International for Tech 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 Tech E&O Insurance questions about Beazley versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Tech E&O Insurance. Providers: Beazley and HUB International.
- 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 HUB International](https://spot.insure/compare/beazley-vs-hub-international) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 shrink your limit; HUB is a broker for 5,000-plus tech companies that shops E&O and negotiates prior-acts and tail terms.

## Beazley vs HUB International Tech E&O Insurance Summary

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](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [5](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

## 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](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [5](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

### 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](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

### 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](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

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

- Check the retroactive date and tail on both quotes. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")
- Ask HUB whether defense costs reduce the limit on its placement. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")
- Ask HUB which insurer it proposes. Beazley’s application names Beazley Insurance Company, Inc. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")
- Get per-claim and aggregate limits; HUB publishes none. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## Beazley vs HUB International Tech E&O Insurance Compared

| 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. [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 Ransomware Controls sections; a completed application does not establish acceptance..)<br><br>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. [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 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. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [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 excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. [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, 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. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [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 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [5](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer..) |

## About Beazley and HUB International and Tech E&O Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Beazley vs HUB International Tech E&O Insurance

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions)
- [HUB International Tech E&O Insurance](https://spot.insure/insurance-providers/hub-international/technology-errors-omissions)

## Sources for Beazley vs HUB International Tech 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; pages 3-4 Contractual Controls and Ransomware Controls. 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, Tech Product Wrongful Act, Professional Services, Tech Services; Exclusions: Patent & Misappropriation of Information; Limit of Liability and Coverage; Optional Extension Period. Accessed 2026-09-23.

### Sources About HUB International

4. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23.
5. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. 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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