---
title: "Beazley vs HUB International Telehealth Insurance"
description: "Beazley underwrites modular Virtual Care; HUB brokers a virtual-care package and flags Patient Compensation Fund states."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth)

# Beazley vs HUB International Telehealth Insurance

Beazley underwrites modular Virtual Care; HUB brokers a virtual-care package and flags Patient Compensation Fund states.

## Research Scope and Use

Use this comparison to evaluate Beazley and HUB International for Telehealth Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites Virtual Care as a modular policy for digital-health businesses in listed domicile countries. HUB brokers a package of professional, tech E&O, products, cyber, general and management liability for virtual-care organizations and does not name an issuing insurer. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Virtual Care and Telehealth Insurance?

Virtual care and telehealth insurance addresses liability for healthcare services delivered through technology, including remote consultations. It doesn't automatically extend to cyber incidents, in-person malpractice, or product defects — those need separate confirmation in the quote. [9](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [11](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | eHealth")

## Key Differences in Telehealth Insurance

### Underwritten Modules Versus Brokered Lines

Beazley sells Virtual Care as a modular policy it underwrites. HUB brokers a package of coverages for virtual-care organizations through its healthcare industry practice rather than underwriting the policies. HUB’s virtual-care page does not name an issuing insurer. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

### What Appears in the Coverage List

Beazley’s list includes healthcare professional liability, tech services/products liability, cyber (Breach Response or InfoSec), first-party cyber, general liability, products/completed operations, media liability and clinical trials financial injury. HUB lists 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. HUB’s list includes management liability that Beazley’s reviewed Virtual Care modules do not name; Beazley names media liability and clinical-trials financial injury that HUB’s list does not. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

### Eligibility Notes Buyers Should Check

Beazley offers the product worldwide for organizations domiciled in nine listed countries and highlights affirmative bodily-injury coverage. HUB targets healthcare organizations offering virtual care and telehealth services, flags Patient Compensation Fund states as having rules that can affect coverage, and warns buyers to check COVID-19 virtual-consultation exclusions, whether injuries from virtual services are covered, and data-security exposure. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

### Services and Intake

Beazley pairs the cyber module with Breach Response Services, uses module-specific application brochures, and names a dedicated healthcare claims team. HUB says it assesses operational, financial and strategic risks facing virtual-care organizations as part of arranging coverage. Neither reviewed page publishes dollar limits. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

## What to Confirm in Telehealth Insurance Quotes

- Ask Beazley which modules are bound and whether you sit in a listed domicile country. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")
- Ask HUB which insurers are quoting each line and whether Patient Compensation Fund rules apply. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")
- Check HUB’s flagged COVID-19 and virtual-injury wording against Beazley’s affirmative bodily-injury point. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")
- Confirm whether D&O or EPL is needed; HUB lists those in the package and Beazley’s reviewed modules do not. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

## Offering Details

| Criteria | Beazley Virtual Care | HUB International Virtual Care Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |
| 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. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Not found in reviewed sources; scope: Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Virtual Care "Who we can help" section..)<br><br>Beazley offers Virtual Care worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile and Spain. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page eligibility framing; not a published underwriting appetite by state or care specialty..) |
| Coverage Features | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Virtual Care Available Coverages list; actual coverage purchased depends on the modules selected and the issued policy..)<br><br>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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: "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. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policies and their exclusions control an actual claim..)<br><br>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. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy..) |
| Limits and Retentions | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Not publicly disclosed; scope: 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. |
| Risk Services | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: "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. [8](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability..) |
| How to Apply | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Tools & Resources section of the Virtual Care page..) | Not described in the reviewed sources. |
| Claims Support | 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. [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") (Evidence: Company-reported; scope: Team listing and claims-contact links on the Virtual Care page..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Virtual Care and Telehealth Insurance?](https://spot.insure/coverage/virtual-care-telehealth): Virtual care and telehealth insurance addresses liability for remote consultations and other health care delivered through technology.
- [Beazley vs HUB International Commercial Property Insurance](https://spot.insure/compare/beazley-vs-hub-international/commercial-property)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [Beazley vs HUB International Cyber Insurance](https://spot.insure/compare/beazley-vs-hub-international/cyber)
- [Beazley vs HUB International D&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/directors-officers)
- [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices)
- [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds)
- [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary)
- [Beazley vs HUB International General Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/general-liability)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)
- [Beazley vs HUB International Management Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/management-liability)
- [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Beazley vs HUB International Product Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/product-liability)
- [Beazley vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-hub-international/professional-errors-omissions)
- [Beazley vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-hub-international/representations-warranties)
- [Beazley vs HUB International Tech E&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/technology-errors-omissions)
- [Beazley vs CFC Telehealth Insurance](https://spot.insure/compare/beazley-vs-cfc/virtual-care-telehealth)
- [Beazley vs Founder Shield Telehealth Insurance](https://spot.insure/compare/beazley-vs-foundershield/virtual-care-telehealth)
- [Beazley vs Newfront Telehealth Insurance](https://spot.insure/compare/beazley-vs-newfront/virtual-care-telehealth)
- [CFC vs HUB International Telehealth Insurance](https://spot.insure/compare/cfc-vs-hub-international/virtual-care-telehealth)
- [Founder Shield vs HUB International Telehealth Insurance](https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth)
- [HUB International vs Newfront Telehealth Insurance](https://spot.insure/compare/hub-international-vs-newfront/virtual-care-telehealth)

## Sources

### 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; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-23.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
8. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Protecting against emerging risks section; coverage list: virtual care medical professional liability, technology E&O, products liability, cyber liability and data security, general liability, management liability (D&O, EPLI); risk-assessment service description; Connect With a Broker. Accessed 2026-09-23.

### Telehealth Insurance Guide

9. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space. Accessed 2026-09-16.
10. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization. Accessed 2026-09-16.
11. [Digital health insurance | eHealth](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product. Accessed 2026-09-16.

Updated 2026-09-23. 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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