Beazley vs HUB International Telehealth Insurance

Beazley sells Virtual Care as a single modular policy bundling healthcare professional liability, technology liability, cyber, media liability, general liability and products/completed operations for digital-health businesses, rather than separate line-item policies. ⁴Company-reported. Virtual Care product description and Available Coverages list.

HUB brokers a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. ⁸Company-reported. Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Not described in the reviewed sources.

The virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. ⁸Not found in reviewed sources. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there.

Beazley targets five digital-health segments with Virtual Care: telehealth/telemedicine providers, mHealth companies building wearables and apps, med-tech/devices platforms and SaaS developers, lifestyle-and-wellness businesses, and traditional in-person healthcare entities with cyber-related bodily-injury exposure. ⁴Company-reported. Virtual Care "Who we can help" section.

Beazley offers Virtual Care worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile and Spain. ⁴Company-reported. Virtual Care "Where is this offered" section.

HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. ⁸Company-reported. Product-page eligibility framing; not a published underwriting appetite by state or care specialty.

The Available Coverages list under Virtual Care includes Healthcare Professional Liability, Tech Services/Tech Products Liability, Cyber Liability (Beazley Breach Response or InfoSec), First Party Cyber, General Liability (claims-made or occurrence), Products/Completed Operations, Media Liability and Clinical Trials Financial Injury. ⁴Company-reported. Virtual Care Available Coverages list; actual coverage purchased depends on the modules selected and the issued policy.

Beazley highlights "affirmative coverage for claims made against an insured which results in bodily injury" as a feature of Virtual Care, distinguishing it as a policy point rather than describing every underlying module's terms. ⁴Company-reported. "The Beazley Difference" section of the Virtual Care page.

HUB lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. ⁸Company-reported. Product-page coverage list; the issued policies and their exclusions control an actual claim.

HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. ⁸Company-reported. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy.

The reviewed page does not publish specific dollar limits or retentions for Virtual Care or its component modules. Those terms appear only on an actual quote. ⁴Not publicly disclosed. Virtual Care page as read on 2026-09-23; a supplementary product-overview PDF found in search could not be parsed for numeric limits.

Not described in the reviewed sources.

Policyholders that include the cyber module get access to Beazley Breach Response Services, which Beazley describes as covering breach-response management, information-security insurance solutions and risk-management services. ⁴Company-reported. "The Beazley Difference" section; service scope depends on whether the cyber module is selected.

HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. ⁸Company-reported. Product-page service description; a company-reported capability.

Beazley lists several downloadable application brochures for different Virtual Care coverage combinations, such as "Virtual Care - InfoSec (no First Party)" and "Virtual Care - Professional Liability," indicating a broker-submitted, module-by-module application rather than one online form. ⁴Company-reported. Tools & Resources section of the Virtual Care page.

Not described in the reviewed sources.

Beazley names a dedicated Claims Team Leader for Healthcare and several claims managers and specialists on the Virtual Care team, and directs customers to a general "Notify a Claim" channel. The page does not describe specific claims-handling procedures or timelines. ⁴Company-reported. Team listing and claims-contact links on the Virtual Care page.

Not described in the reviewed sources.