---
title: "Beazley vs HUB International"
description: "Why Beazley’s MediaTech and Execuguard specialty forms are insurer products accessed through brokers, not a substitute for HUB International’s full-service commercial brokerage."
canonical: "https://spot.insure/compare/beazley-vs-hub-international"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Beazley", "HUB International"]
---

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

# Beazley vs HUB International

Why Beazley’s MediaTech and Execuguard specialty forms are insurer products accessed through brokers, not a substitute for HUB International’s full-service commercial brokerage.

## Research Scope and Use

Use this comparison to evaluate Beazley and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Beazley underwrites specialty products such as MediaTech (technology E&O, media and cyber on one form) and Execuguard executive-risk packages. HUB International is a broker that may place Beazley or other markets and that routes qualifying small accounts to Insureon. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [24](https://www.hubinternational.com/about-us/ "About Us") [28](https://www.hubinternational.com/contact-us/ "Contact Us")



## Introduction

Beazley and HUB International both appear when a software or media company searches for technology errors and omissions (E&O) and cyber. Beazley is the specialty insurer (and related Beazley entities) behind products such as MediaTech. HUB is a broker. You do not switch from HUB to Beazley the way you switch brokers; you ask whether HUB, Insureon or another intermediary will submit to Beazley. Beazley’s reviewed product pages are specialty professional and executive forms, not HUB’s workers’ compensation or employee-benefits brokerage catalogue. [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/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [37](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## Documented Provider Strengths

### Beazley

- Technology E&O, media and cyber in one MediaTech form [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 marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)
- Execuguard can separate or share executive-risk limits [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

### HUB International

- HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)
- HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [28](https://www.hubinternational.com/contact-us/ "Contact Us") [31](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [32](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [33](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [26](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Beazley | HUB International |
| --- | --- | --- |
| Builders risk | Not listed | Listed [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Business owner’s policy | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") |
| Cargo and transit | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Commercial auto | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Commercial property | Listed [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Listed [39](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") |
| Crime | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed [41](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Cyber liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed [33](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Directors and officers | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [32](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Employee health and benefits | Not listed | Listed [50](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [21](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") |
| Employment practices liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Equipment breakdown | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") |
| Fidelity bonds | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Fiduciary liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [42](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| General liability | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed [31](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") |
| Hired and non-owned auto | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed [40](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Key person | Not listed | Listed [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Kidnap and ransom | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Management liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Media liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed |
| Medical malpractice | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Listed [45](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") |
| Product liability | Listed [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Listed [47](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Product recall | Listed [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Listed [47](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Professional liability / E&O | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed [34](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [35](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") |
| Representations and warranties | Listed [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Listed [46](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") |
| Surety bonds | Not listed | Listed [44](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") |
| Technology errors and omissions | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Listed [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Tools, equipment and inland marine | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") |
| Trucking | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Umbrella and excess liability | Listed [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") | Listed [47](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Virtual care and telehealth | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed [51](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") |
| Workers’ compensation | Not listed | Listed [37](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Beazley and HUB International

### Underwriter Versus Intermediary

Beazley underwrites specialty products such as MediaTech; related Beazley entities are the insurers described in its legal materials. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") HUB is a broker. HUB’s published materials do not name Beazley as an appointed market, so a HUB proposal might use Beazley or another insurer. [24](https://www.hubinternational.com/about-us/ "About Us") [25](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [27](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")

### Packaged Specialty Forms

Beazley’s MediaTech form combines technology E&O, media and cyber. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") Execuguard can separate or share executive-risk limits. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") HUB lists cyber, professional liability and directors and officers (D&O) as separately marketed brokerage products. Shared MediaTech limits versus separate HUB-placed towers is a structure question for the quote. [33](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [32](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

### Application

Beazley applications run through brokers. HUB is one such broker; Insureon is another HUB-related producer that does not automatically offer MediaTech. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [28](https://www.hubinternational.com/contact-us/ "Contact Us")

### Claims-Made Notice

Beazley’s claims-made wording and claim-notification page matter if that form is bound. HUB’s claims practice is advocacy to the insurer on the policy. Follow the Beazley notice clause if Beazley is the issuer. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") [52](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management")

## What to Confirm in Quotes

- **Whether HUB will access Beazley** for MediaTech or Execuguard on your class. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

- **Shared versus separate limits** if HUB proposes non-Beazley towers instead. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

- **California surplus-lines or admitted path** on the Beazley entity used. [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [25](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions")



## Service Comparison

Beazley vs HUB International: documented services and availability.

| Criteria | Beazley | HUB International |
| --- | --- | --- |
| Business role | Beazley is a specialty insurance group operating through insurance companies and underwriting businesses. Its US disclosures distinguish the insurance entities from Beazley USA Services, Inc., which reports doing business in California as Beazley Insurance Services under license 0G55497. This is a company disclosure, not an independently verified license record. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.; verified: 2026-09-16.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [24](https://www.hubinternational.com/about-us/ "About Us") [25](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [29](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)<br><br>HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [24](https://www.hubinternational.com/about-us/ "About Us") [54](https://www.insureon.com/about-us "About Insureon") [55](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [56](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [57](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) |
| Coverage lines | MediaTech combines technology and professional errors and omissions, media liability and cyber coverage. Beazley lists breach response, business interruption, dependent business interruption, extortion, data recovery and eCrime protections, with limits up to $5 million; the issued policy determines the cover purchased. [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 marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)<br><br>The linked MediaTech sample form is dated February 2019. It excludes patent infringement and trade-secret misappropriation related to technology or other products, and contains contractual-liability and retroactive-date restrictions. The sample is not evidence of the wording that will be offered today. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") (Evidence: Company-reported; scope: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified: 2026-09-16.)<br><br>Execuguard offers private-company directors and officers, employment practices and fiduciary liability, with separate or shared limits across selected coverages. Beazley advertises both admitted and non-admitted options; state and account eligibility still need confirmation. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)<br><br>Beazley offers Commercial Crime for commercial companies and Financial Fidelity Bonds for financial institutions. Its crime page describes fraudulent-instruction coverage subject to out-of-band authentication, with possible removal of that condition for documented controls and an additional premium. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified: 2026-09-16.)<br><br>Virtual Care lists healthcare professional liability, technology liability, cyber, media, general liability and products/completed operations for digital-health businesses. Life Sciences offers product, professional and general liability through BioSecure, NutraGuard and WellTech forms for different life-sciences exposures. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Specialty healthcare packages, not universal MediaTech benefits.; verified: 2026-09-16.)<br><br>North American Commercial Property targets mid-sized and large commercial properties on an excess and surplus lines basis. Product Recall – Manufacturing Risk and Response separately addresses consumer goods, component parts and consumables, including product-removal and related income-loss costs. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified: 2026-09-16.)<br><br>BeazleyOne Environmental combines general, professional and contractors’ pollution liability for environmental-service firms, and lists hired and non-owned auto. US Marine offers hull and marine liability on primary and excess bases; this does not establish general corporate umbrella availability. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") (Evidence: Company-reported; scope: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified: 2026-09-16.)<br><br>Beazley offers representations and warranties coverage for acquisitions. Its US Specialty Programs business works through managing general agents, program administrators and specialized brokers on professional, general, product, manufacturers’ E&O, cyber and allied-medical liability programs. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [19](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs "US Specialty Programs") (Evidence: Company-reported; scope: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified: 2026-09-16.)<br><br>The posted Digital Media Tech application says liability coverage is claims-made and reported: the claim must be made and reported within the applicable policy terms. It also warns that claims expenses reduce the liability limit and are subject to retentions. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application notice, page 1; current issued wording and endorsements control.; verified: 2026-09-16.) | HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [29](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [31](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [40](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [33](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [32](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [34](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [35](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [41](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [45](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [48](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [49](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [46](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [47](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [50](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)<br><br>For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) |
| Application process | Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. [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/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [28](https://www.hubinternational.com/contact-us/ "Contact Us") [31](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [32](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [33](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [30](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [26](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) |
| Access to insurers | The posted Digital Media Tech application names Beazley Insurance Company, Inc. Beazley’s broader disclosures also describe surplus-lines business through Beazley Excess and Surplus Insurance, Inc. or Beazley-managed Lloyd’s syndicates. The actual MediaTech insurer and California placement basis must be identified in the quote. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: Application F00859 042022 and general US toolkit disclosure; no blanket insurer assignment.; verified: 2026-09-16.) | HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. [27](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [39](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [47](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [48](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [36](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)<br><br>Insureon says it has access to 100+ insurance providers and names The Hartford, Chubb, Hiscox, Liberty Mutual and Travelers as examples. Those names are Insureon’s examples for its digital agency, not a statement that every HUB retail placement uses the same insurers, and they do not identify the issuing company on a particular policy. [54](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) |
| Claims assistance | Beazley directs customers to check their policy’s notification instructions first. Its website provides a notice-of-loss form and a US claims email route. The existence of these channels does not establish claims-handling quality or a promise that a loss is covered. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") (Evidence: Company-reported; scope: Public US notice channels; no claim submitted or outcomes independently assessed.; verified: 2026-09-16.) | HUB markets a claims-management practice that it says includes dedicated claims professionals, advocacy, coverage-dispute support, TPA selection and audits, reserve analysis and litigation-management support. It states the team has more than 225 claims professionals in the United States and Canada. The page also publishes numerical process claims such as 24-hour turnaround on claims reporting; those figures are company-reported marketing metrics, not independently verified outcomes, and they do not describe how a particular insurer will adjust a claim. [52](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) |

## Related Reading

- [What Is Beazley?](https://spot.insure/insurance-providers/beazley)
- [What Is HUB International?](https://spot.insure/insurance-providers/hub-international)

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- [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi)
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## Sources

### [Beazley Official Website](https://www.beazley.com/en-us/)

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16.
2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
5. [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.
6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
10. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16.
12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
13. [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 2026-09-16.
14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16.
15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16.
16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16.
19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

### [HUB International Official Website](https://www.hubinternational.com)

21. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
22. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
23. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
24. [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.
25. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
26. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
27. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
28. [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.
29. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16.
30. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16.
31. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
32. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
33. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
34. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
35. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
36. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16.
37. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
38. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
39. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
40. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16.
41. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
42. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
43. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
44. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
45. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
46. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
47. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16.
48. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16.
49. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16.
50. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16.
51. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16.
52. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
53. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
54. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
55. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
56. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
57. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
58. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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