---
title: "Beazley vs Kinro"
description: "Compare a Beazley renewal with Kinro’s policy-review and market-shopping service without assuming a lower price preserves technology coverage."
canonical: "https://spot.insure/compare/beazley-vs-kinro"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Beazley", "Kinro"]
---

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

# Beazley vs Kinro

Compare a Beazley renewal with Kinro’s policy-review and market-shopping service without assuming a lower price preserves technology coverage.

## Research Scope and Use

Use this comparison to evaluate Beazley and Kinro 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 supplies specialist technology insurance through MediaTech. Kinro is an agency offering policy reviews and small-business market comparisons, but its public retail engagement terms and proposed insurers require clarification. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [21](https://kinro.com/ "Kinro Business Insurance") [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [25](https://kinro.com/text-updates "Text Updates From Kinro") [26](https://kinro.com/terms-of-service "Terms Of Service")



## Introduction

A renewal increase can prompt a founder to upload an existing policy for another opinion. Kinro offers a free policy-review entry point and says it shops the market at renewal. Beazley publishes a MediaTech renewal application for its technology, media and cyber offering. The useful question is whether a proposed replacement preserves the parts of the expiring contract that matter, not simply whether a review is free. [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [21](https://kinro.com/ "Kinro Business Insurance") [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## 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.)

### Kinro

- Buyers can start with a free review of an existing policy or renewal packet before considering replacement options. [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") (Evidence: Company-reported; scope: Public upload entry screen only; no documents uploaded and no service or outcome verification.; verified: 2026-09-15.)
- Kinro says it shops the market at renewal and provides text updates linking to documents, certificates and coverage support. [21](https://kinro.com/ "Kinro Business Insurance") [25](https://kinro.com/text-updates "Text Updates From Kinro") (Evidence: Company-reported; scope: Retail service statements; no authenticated customer account or actual renewal inspected.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | Beazley | Kinro |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [23](https://kinro.com/products "Commercial Insurance Products") |
| Commercial auto | Not listed | Listed [23](https://kinro.com/products "Commercial Insurance Products") |
| Commercial property | Listed [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Listed [23](https://kinro.com/products "Commercial Insurance Products") |
| Crime | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed |
| 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 [23](https://kinro.com/products "Commercial Insurance Products") |
| 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 [23](https://kinro.com/products "Commercial Insurance Products") |
| 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)") | Not listed |
| Fidelity bonds | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed |
| 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)") | Not listed |
| 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 [23](https://kinro.com/products "Commercial Insurance Products") |
| 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 [23](https://kinro.com/products "Commercial Insurance Products") |
| 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)") | Not listed |
| 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") | Not listed |
| Product liability | Listed [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed |
| 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") | Not listed |
| 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 [23](https://kinro.com/products "Commercial Insurance Products") [34](https://kinro.com/products/professional-liability "Professional Liability / E&O") |
| Representations and warranties | Listed [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Not listed |
| 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") | Not listed |
| Tools, equipment and inland marine | Not listed | Listed [23](https://kinro.com/products "Commercial Insurance Products") |
| Trucking | Not listed | Listed [23](https://kinro.com/products "Commercial Insurance Products") |
| Umbrella and excess liability | Listed [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") | Listed [23](https://kinro.com/products "Commercial Insurance Products") |
| Virtual care and telehealth | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed |
| Workers’ compensation | Not listed | Listed [23](https://kinro.com/products "Commercial Insurance Products") |

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 Kinro

### A Review Service Must Produce a Wording Comparison

Kinro accepts declarations, policies and renewal packets for review. Its professional-liability guide asks about services, contracts, earlier claims and retroactive dates; its cyber guide separately asks about security controls and incidents. Beazley’s MediaTech joins several risks in one form. A replacement assembled from separate options should be checked for gaps or overlap between technology work and cyber events rather than judged by matching coverage labels. [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [34](https://kinro.com/products/professional-liability "Professional Liability / E&O") [35](https://kinro.com/products/cyber-liability "Cyber Liability") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

Beazley’s older sample makes retroactive dates and contractual restrictions concrete review topics. Kinro’s reviewed guides do not establish an insurer-specific replacement form. Ask the agency to show changed definitions and reporting provisions alongside the premium; a promise to seek equivalent or higher coverage is not evidence that a particular replacement achieves it. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [34](https://kinro.com/products/professional-liability "Professional Liability / E&O") [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy")

### Clarify the Retail Agreement Before Appointing the Agency

Kinro identifies an insurance-services LLC, but its terms name Kinro AI and describe technology sold to financial-services businesses. The relationship between those contracts and a retail insurance engagement is unresolved in the reviewed disclosures. Beazley’s services entity and insurance companies are also distinct, although its documents concern specific insurance products. Obtain the retail agency agreement and the proposed insurer rather than accepting a technology-service agreement as the complete placement terms. [26](https://kinro.com/terms-of-service "Terms Of Service") [25](https://kinro.com/text-updates "Text Updates From Kinro") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

### Benchmark Prices Are Not Replacement Quotes

Kinro’s consultant page labels its prices as market benchmarks, and its disclosures allow placement compensation. Beazley’s reviewed MediaTech purchase materials do not disclose an account-specific premium or broker fee. Compare annual cost only after matching the actual insurer, activities, limits, retentions and reporting terms. A generic consultant benchmark is particularly weak evidence for the cost of a combined technology policy. [37](https://kinro.com/industries/consultants "Consultant Insurance") [38](https://kinro.com/blog/reviews/methodology "Insurance Review Methodology") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use")

## What to Confirm in Quotes

- Will the review include the complete wording and endorsements, or only declarations and price? [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- What happens to earlier work and claims reporting if the technology and cyber coverages move to separate policies? [34](https://kinro.com/products/professional-liability "Professional Liability / E&O") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")
- Which retail agreement, producer and California insurer route apply, and who handles a claim after the switch? Dedicated Kinro claims instructions and California product eligibility remain unestablished in the reviewed sources. [26](https://kinro.com/terms-of-service "Terms Of Service") [39](https://kinro.com/contact "Contact Kinro") [41](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information")



## Service Comparison

Beazley vs Kinro: documented services and availability.

| Criteria | Beazley | Kinro |
| --- | --- | --- |
| 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.) | Kinro’s website identifies Kinro Insurance Services LLC and displays National Producer Number (NPN) 22233799. It describes the business as a commercial insurance brokerage: the intermediary helping arrange coverage. The insurer issuing your policy is a separate role. [25](https://kinro.com/text-updates "Text Updates From Kinro") [30](https://kinro.com/partners/carriers "For Carriers And MGAs") (Evidence: Company-reported; scope: Website identification and brokerage positioning only; LLC existence, NPN assignment, state licenses and insurer authority were not independently established.; verified: 2026-09-15.)<br><br>Kinro’s public pages use several names: the footer names Kinro Insurance Services LLC, text-message disclosures name Kinro, Inc., and the Terms of Service name Kinro AI. Those terms describe selling AI sales-agent technology to financial-services companies under commercial orders. They do not clearly explain how those names or contracts relate to an insurance buyer’s agency agreement. [26](https://kinro.com/terms-of-service "Terms Of Service") [25](https://kinro.com/text-updates "Text Updates From Kinro") (Evidence: Conflicting sources; scope: Unresolved entity and service-scope mismatch within current official pages; no inference of corporate ownership, renaming or misconduct. Terms effective August 10, 2026.; verified: 2026-09-15.)<br><br>Kinro also offers market access and technology to independent agencies and agents. Its partner page says they retain the customer relationship, subject to their written agreement. Its separate commercial-placement service asks the parties to allocate advice, binding, billing, endorsements, certificates, renewals, and communication before placing business. [28](https://kinro.com/partners/agencies "Carrier Access For Agencies And Independent Agents") [29](https://kinro.com/partners/commercial-placement "Commercial Insurance Placement Support") (Evidence: Company-reported; scope: B2B partner pathways; not a finding that all retail Kinro buyers work through a subproducer, or that Kinro has wholesale or MGA authority in a particular jurisdiction.; verified: 2026-09-15.) |
| 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.) | Kinro’s public “Start a new quote” page opens without a login and begins with a business-activity selector, labeled step 1 of 4. Later application steps, quote results, payment, and binding were not inspected. [22](https://kinro.com/account/application/start?new_quote=1&source_page=homepage "Start A New Quote") (Evidence: Company-reported; scope: Observed initial unauthenticated interface in Chrome; no answers, personal information, uploads, account creation or submissions. Later access requirements unknown.; verified: 2026-09-15.)<br><br>Kinro says AI helps collect information and present available quote options, with licensed-agent support. Its homepage describes agent follow-up after submission and advertises a roughly two-minute reply. That is a response-time claim, not a verified deadline for receiving or binding insurance. [21](https://kinro.com/ "Kinro Business Insurance") (Evidence: Company-reported; scope: Homepage FAQ and response claim; no interactions submitted or timing study performed.; verified: 2026-09-15.)<br><br>Kinro offers a free review starting with an upload of a declarations page, renewal packet, or policy. It accepts up to three PDF, PNG, or JPG files, each up to 25 MB. Its promise to seek a better price with equivalent or higher coverage is a company claim; no replacement quote or coverage comparison was tested. [24](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") (Evidence: Company-reported; scope: Public upload entry screen only; no documents uploaded and no service or outcome verification.; verified: 2026-09-15.) |
| Fees and compensation | The reviewed MediaTech product page, application and US website terms do not disclose a buyer-specific premium, broker commission rate or fee schedule for a MediaTech placement. Obtain an itemized quote and the placing broker’s compensation disclosure. [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") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not publicly disclosed; scope: Scoped review of public MediaTech purchase materials, not all Beazley group compensation arrangements.; verified: 2026-09-16.) | Kinro discloses that it may receive compensation when it places a policy. Its agency-partner page also describes commissions, with the basis, deductions, chargebacks, and payment timing set by agreement. The reviewed disclosures do not state what Kinro or another producer would earn on your policy, or whether your purchase would include a separate buyer-paid fee. [38](https://kinro.com/blog/reviews/methodology "Insurance Review Methodology") [28](https://kinro.com/partners/agencies "Carrier Access For Agencies And Independent Agents") (Evidence: Company-reported; scope: Placement-compensation disclosure and partner economics only. No disclosed retail rate schedule; do not apply B2B commission examples or technology-service fees to consumers.; verified: 2026-09-15.)<br><br>For consultants, Kinro publishes monthly benchmarks of $25–$35 for general liability, $50–$65 for professional liability, and $90–$105 for cyber. It labels these market benchmarks, not quotes or guaranteed prices. They do not specify a matched insurer, limit, deductible, and policy form for your business. [37](https://kinro.com/industries/consultants "Consultant Insurance") (Evidence: Company-reported; scope: One industry-page illustration, not Kinro-wide pricing or a comparable quote; underlying calculation methodology not established.; verified: 2026-09-15.) |
| Servicing and renewals | Beazley publishes a MediaTech renewal application. The reviewed renewal form and product page do not establish a guaranteed renewal, dedicated account manager, or turnaround commitment for policy changes. [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: Public renewal document and service description; no policyholder account or service performance tested.; verified: 2026-09-16.)<br><br>Full Spectrum Cyber for small businesses combines Beazley Breach Response with security tools and services. Beazley describes incident-response coordination and discounted vendor services. Its myBeazley quote-and-bind route is for brokers handling accounts below $35 million in revenue and limits no higher than $5 million; these are cyber-route criteria, not MediaTech eligibility rules. [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Small-business Full Spectrum Cyber only; services, costs and entitlements depend on actual arrangements.; verified: 2026-09-16.) | Kinro says it shops the market at renewal. Its text-update service describes links to policy documents and certificates, renewal reminders, and replies to coverage questions. These are published service descriptions, not measured turnaround times. [21](https://kinro.com/ "Kinro Business Insurance") [25](https://kinro.com/text-updates "Text Updates From Kinro") (Evidence: Company-reported; scope: Retail service statements; no authenticated customer account or actual renewal inspected.; verified: 2026-09-15.)<br><br>Kinro’s text sign-up separates service-message consent from optional marketing consent and offers STOP to unsubscribe. Its privacy policy separately discloses visitor-identification partners that may connect browsing activity with email addresses or online profiles for marketing. The mobile opt-in protections should not be read as a blanket promise that website visits cannot lead to marketing. [25](https://kinro.com/text-updates "Text Updates From Kinro") [27](https://kinro.com/privacy-policy "Privacy Policy") (Evidence: Company-reported; scope: Published consent and privacy terms, not an audit of data practices or consent enforcement; privacy policy effective August 10, 2026.; verified: 2026-09-15.) |

## Related Reading

- [What Is Beazley?](https://spot.insure/insurance-providers/beazley)
- [What Is Kinro Insurance?](https://spot.insure/insurance-providers/kinro)

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- [Heffernan vs Kinro](https://spot.insure/compare/heffernan-vs-kinro)
- [Hiscox vs Kinro](https://spot.insure/compare/hiscox-vs-kinro)
- [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro)
- [Kinro vs Layr](https://spot.insure/compare/kinro-vs-layr)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Kinro vs Marsh](https://spot.insure/compare/kinro-vs-marsh)
- [Kinro vs Mylo](https://spot.insure/compare/kinro-vs-mylo)
- [Kinro vs Newfront](https://spot.insure/compare/kinro-vs-newfront)
- [Kinro vs ERGO NEXT Insurance](https://spot.insure/compare/kinro-vs-next-insurance)
- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance)
- [Kinro vs Relm Insurance](https://spot.insure/compare/kinro-vs-relm)
- [Kinro vs Resilience](https://spot.insure/compare/kinro-vs-resilience)
- [Kinro vs RiskCube](https://spot.insure/compare/kinro-vs-riskcube)
- [Kinro vs Risklytics Insurance](https://spot.insure/compare/kinro-vs-risklytics)
- [Kinro vs StartupInsurance.ai](https://spot.insure/compare/kinro-vs-startupinsurance)
- [Kinro vs TechInsurance](https://spot.insure/compare/kinro-vs-techinsurance)
- [Kinro vs The Hartford](https://spot.insure/compare/kinro-vs-the-hartford)
- [Kinro vs Travelers Insurance](https://spot.insure/compare/kinro-vs-travelers)
- [Kinro vs USI](https://spot.insure/compare/kinro-vs-usi)
- [Kinro vs Vouch](https://spot.insure/compare/kinro-vs-vouch)
- [Kinro vs WithCoverage](https://spot.insure/compare/kinro-vs-withcoverage)

## 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.

### [Kinro Official Website](https://kinro.com)

21. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
22. [Start A New Quote](https://kinro.com/account/application/start?new_quote=1&source_page=homepage). Kinro; Unauthenticated browser view: New Autoquote, Start a new quote, step 1 of 4, business activity selector; no answers entered. Accessed 2026-09-15.
23. [Commercial Insurance Products](https://kinro.com/products). Kinro; Most common starting points; Vehicles, property, and field operations; Professional, cyber, and leadership risk; How Kinro narrows it down. Accessed 2026-09-15.
24. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
25. [Text Updates From Kinro](https://kinro.com/text-updates). Kinro; Brokerage description; Who sends them (Kinro, Inc.); service and optional marketing consent; What you will receive; LLC footer. Accessed 2026-09-15.
26. [Terms Of Service](https://kinro.com/terms-of-service). Kinro; Effective August 10, 2026; introduction names Kinro AI; sections 1 Services, 6 Mobile Messaging Terms, 7 Warranties & Disclaimers; LLC footer. Accessed 2026-09-15.
27. [Privacy Policy](https://kinro.com/privacy-policy). Kinro; Effective August 10, 2026; Website Visitor Identification and Marketing Partners; Sharing and Disclosure; Mobile Messaging Privacy. Accessed 2026-09-15.
28. [Carrier Access For Agencies And Independent Agents](https://kinro.com/partners/agencies). Kinro; Opening role description; Carrier access; High commission rates; approval and written-agreement qualifications; How to get started. Accessed 2026-09-15.
29. [Commercial Insurance Placement Support](https://kinro.com/partners/commercial-placement). Kinro; Appetite fit; Placement path; Client and servicing ownership; no-guarantee paragraph after step 3. Accessed 2026-09-15.
30. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
31. [General Liability](https://kinro.com/products/general-liability). Kinro; Product file; Inputs carriers usually need; Coverage comparison and actual-policy qualification. Accessed 2026-09-15.
32. [Business Owner’s Policy](https://kinro.com/products/business-owners-policy). Kinro; Introduction; Product file; Inputs carriers usually need; Market fit. Accessed 2026-09-15.
33. [Workers Compensation](https://kinro.com/products/workers-compensation). Kinro; Product file; Inputs carriers usually need, including payroll by state, owner inclusion/exclusion and employee duties. Accessed 2026-09-15.
34. [Professional Liability / E&O](https://kinro.com/products/professional-liability). Kinro; Product file; Inputs carriers usually need, including services, client types, prior claims, retroactive dates and current coverage. Accessed 2026-09-15.
35. [Cyber Liability](https://kinro.com/products/cyber-liability). Kinro; Product file; Inputs carriers usually need, including data, MFA, backups, vendor access and prior incidents. Accessed 2026-09-15.
36. [Directors & Officers](https://kinro.com/products/directors-and-officers). Kinro; Common fit; What it usually handles; Inputs carriers usually need; Market fit. Accessed 2026-09-15.
37. [Consultant Insurance](https://kinro.com/industries/consultants). Kinro; How much does consultant insurance cost?; benchmark amounts; FAQ on reviewing a client insurance clause; Typical market benchmarks qualification. Accessed 2026-09-15.
38. [Insurance Review Methodology](https://kinro.com/blog/reviews/methodology). Kinro; Updated August 30, 2026; Reviews are general information; Authorship and insurance review; Editorial independence and automation (compensation and nonpublic access relationships). Accessed 2026-09-15.
39. [Contact Kinro](https://kinro.com/contact). Kinro; Opening policy-support description; direct contact channels and message form. Accessed 2026-09-15.
40. [Look Up A National Producer Number](https://nipr.com/licensing-center/look-up-a-national-producer-number). National Insurance Producer Registry; Definition: NPN is a unique NAIC identifier assigned during the licensing application process; assigned to individuals and business entities. Accessed 2026-09-15.
41. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Search for Kinro on September 15, 2026 returned Captcha validation failed; no license result was retrieved. This is an access limitation, not a negative license search.. Accessed 2026-09-15.

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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-kinro.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)