Beazley vs 
Insureon
Beazley publishes MediaTech for small technology and business-services companies and describes digital placement through third-party platforms or email. Insureon serves a broader small-business audience through online quote entry and agent support, with some midsize routes referred to a broker. Beazley is a focused place to investigate a technology or media liability form; Insureon offers a broader route for businesses comparing multiple commercial lines. Confirm the insurer, state eligibility and terms for either proposal. 1,2,24,23
Introduction
For a small technology or business-services firm, Beazley's MediaTech is a specific product to investigate; Insureon is a broader agency route that can return small-business quote options across lines. Beazley describes digital placement through third-party platforms or email, while Insureon advertises online quote entry with licensed-agent help. Neither route guarantees a quote, bind or policy form. 1 24 23
Coverage Comparison
| Coverage | Beazley | Insureon |
|---|---|---|
| Business owner’s policy | Not listed | Listed 33Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability. |
| Commercial auto | Not listed | Listed 36Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability. |
| Commercial property | Listed 15Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis. | Listed 35Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability. |
| Crime | Listed 11Beazley offers commercial crime insurance. | Not listed |
| Cyber liability | Listed 1,9Beazley offers cyber insurance for small and midsized businesses. | Listed 34Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability. |
| Directors and officers | Listed 10Beazley offers directors and officers liability insurance for private organizations through ExecuGuard. | Not listed |
| Employment practices liability | Listed 10Beazley offers employment practices liability insurance for private organizations through ExecuGuard. | Not listed |
| Fidelity bonds | Listed 11Beazley offers fidelity bonds for financial institutions. | Listed 39Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability. |
| Fiduciary liability | Listed 10Beazley offers fiduciary liability insurance for private organizations through ExecuGuard. | Not listed |
| General liability | Listed 17,13Beazley offers general liability insurance in packages such as its environmental-services policy. | Listed 30Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability. |
| Hired and non-owned auto | Listed 17Beazley offers hired and non-owned auto coverage within its environmental-services package. | Not listed |
| Management liability | Listed 10Beazley offers management liability insurance for private organizations through ExecuGuard. | Not listed |
| Media liability | Listed 1Beazley offers media liability insurance through MediaTech for small technology and business-services companies. | Not listed |
| Medical malpractice | Listed 13,14Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations. | Not listed |
| Product liability | Listed 14Beazley offers product liability insurance for middle-to-large life-sciences organizations. | Not listed |
| Product recall | Listed 16Beazley offers product recall insurance through its manufacturing risk product. | Not listed |
| Professional errors and omissions (E&O) | Listed 1,17Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. | Listed 32Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability. |
| Representations and warranties | Listed 12Beazley offers representations and warranties insurance. | Not listed |
| Surety bonds | Not listed | Listed 39Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability. |
| Technology errors and omissions (E&O) | Listed 1Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 38Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability. |
| Umbrella and excess liability | Not listed | Listed 37Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability. |
| Virtual care and telehealth | Listed 13Beazley offers virtual care insurance for digital-health businesses. | Not listed |
| Workers’ compensation | Not listed | Listed 31Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Beazley
Hybrid providerBroker
6.9/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.
Carrier & MGA
5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.
Insureon
BrokerBroker
No Spot Score
Assessment subject unavailable
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Beazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsInsureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsKey Differences Between Beazley and Insureon
Insurer and intermediary roles
Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. 5,6,7Company-reported. US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.
Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 23,24Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.
Beazley describes a specialty group operating through insurance companies and underwriting businesses; Insureon says it works as an agent and broker and distinguishes carriers as the policy issuers. Ask which legal insurer, producer and policy form will appear on a MediaTech or Insureon proposal; do not treat either brand as the issuer of every policy. 5 6 23
Customer fit and product scope
Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 1,13,14Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources.
Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 24Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.
Beazley's MediaTech target is narrower than Insureon's general small and midsize business marketing segments. A MediaTech product name does not establish eligibility for every technology firm, and Insureon's employee bands are not underwriting rules. Ask which products, services, revenue and state the underwriter will accept. 1 24
Placement and application information
Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 1,2Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested.
Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 24,23,25Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.
Beazley describes platform or email placement for MediaTech and its application asks for business, employee, revenue and financial details. Insureon offers online commercial quote entry, with routing that can vary by profession and size. Ask who collects underwriting information, whether an intermediary must submit it, and whether the named insurer has accepted the risk. 1 2 24
What to Confirm in Quotes
- Ask Beazley which insurance company and state basis apply to MediaTech and whether the quoted form is claims-made and reported, including any reporting deadline and whether claim expenses reduce limits. 2 1
- Ask Insureon whether your business will receive an online quote or a broker referral and obtain the insurer, full form and endorsements before comparing it with MediaTech. 24 23
- Compare the same covered services, limits, retentions, exclusions, claim reporting basis and policy period. A single policy form and a multi-line quote route do not establish equivalent protection. 2 23
Compare Services
What each provider documents about the services you may need
| Criteria | Beazley | Insureon |
|---|---|---|
| Business role | Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. 5,6,7Company-reported. US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established. | Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 23,24Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state. |
| Customer focus | Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 1,13,14Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources. | Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 24Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer. |
| Application process | Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 1,2Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested. | Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 24,23,25Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested. |
Related Reading
Sources
Beazley Official Website
- 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.
- Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
- Beazley MediaTech Sample Policy. Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
- Beazley MediaTech Renewal Application. Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- US Web Services Terms of Use. Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
- US Contingency Toolkit. Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
- Notify a Claim. Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
- Full Spectrum Cyber for Small Businesses. Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, 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.
- Crime and Fidelity. Beazley; What we offer: Commercial Crime (commercial companies) and Financial Fidelity Bonds (financial institutions); fraudulent instruction condition. Accessed 2026-09-16.
- Mergers & Acquisitions. Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Life Sciences. Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16.
- North American Commercial Property. Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). Accessed 2026-09-16.
- Product Recall – Manufacturing Risk and Response. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
- Environmental Package Policy (BeazleyOne Environmental). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
- Beazley US Marine. Beazley; Beazley US Marine: What we offer: Marine Hull and Marine Liability, primary and excess. Accessed 2026-09-16.
- US Specialty Programs. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
- Explore All Products. Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.
Insureon Official Website
- Terms and Conditions. Insureon; Opening legal identity paragraph (L51); footer identity/office disclosure (L95-98). Accessed 2026-09-28.
- Insurance Licenses by State. Insureon; Page description says Insureon is licensed in 50 states and Washington, D.C.; published state list L50-L103; footer legal entity/DBA L145-L148. Accessed 2026-09-28.
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- Commercial Insurance for Small & Midsize Companies. Insureon; Application and general route (L82-86); small-business and midsize-business marketing segments and routes (L87-96). Accessed 2026-09-28.
- Contact Us and Get Insured Today. Insureon; Phone hours (L54-58); application, appointment and email routes (L62-78). Accessed 2026-09-28.
- Be prepared with a commercial insurance renewal checklist. Insureon; Updated March 5, 2026 (L84); account manager (L94-95); lead time and insurer decision (L116-127). Accessed 2026-09-28.
- About Insureon. Insureon; Who is Insureon (L58-67); online service claims (L75-82); TechInsurance/Insureon naming and history (L96-114); 2022 transaction description (L107). Accessed 2026-09-28.
- Careers at Insureon. Insureon; SPG and HUB logos and divisional statement (L56-65); legal footer (L110-112). Accessed 2026-09-28.
- Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Hub International; Published March 1, 2022; agreement and pending separate closings/asset allocation (L12-20); SPG operational plan (L29-30). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Workers’ Comp Insurance: Buy Online & Get Free Quotes. Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365. Accessed 2026-09-29.
- Professional Liability Insurance - Get Online Quotes. Insureon; Product definition L67-L89; quote CTA and target users on page. Accessed 2026-09-29.
- Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
- Cyber Insurance - Get Online Quotes. Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA. Accessed 2026-09-29.
- Commercial Property Insurance - Get Online Quotes. Insureon; Product definition L67-L89; covered property examples; quote CTA. Accessed 2026-09-29.
- Commercial Auto Insurance - Get Fast & Free Quotes. Insureon; Product overview L67-L93; target vehicles and businesses; quote route. Accessed 2026-09-29.
- Commercial Umbrella Insurance - Get Online Quotes. Insureon; Product definition and underlying policies L67-L90; quote CTA. Accessed 2026-09-29.
- Tools & Equipment Insurance for Contractors - Get Online Quotes. Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
- Small Business Bonds and Insurance: What You Need to Know. Insureon; Fidelity bond definition/examples L86-L97; quote CTA; bonds/insurance distinction L65-L67. Accessed 2026-09-29.
- Compensation Disclosure Notice. Insureon; Sections describing commission, contingency income, supplemental commissions, client fees, technology service fees, carrier data services, and other compensation. Accessed 2026-09-28.
- How to File a Business Insurance Claim. Insureon; Sections 'Contact your insurance agent or carrier' and 'What if I bought a policy from Insureon?'; insurer reporting and agent assistance. Accessed 2026-09-28.
