Beazley vs Kinro Professional Liability (E&O) Insurance

Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.

Kinro is a broker: it matches a business to a professional liability/E&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. ¹⁰Company-reported. Professional Liability / E&O page "Routing" and "Market fit" sections.

Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. ⁵Company-reported. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route.

Not described in the reviewed sources.

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Kinro says this coverage commonly fits consultants, agencies, tech services and professional firms, and typically comes up when clients rely on the business's professional advice or deliverables, or a contract requires E&O or professional liability. ¹⁰Company-reported. Professional Liability / E&O page "Common fit" and "Triggers" sections.

The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ⁶Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ⁶Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.

Kinro describes professional liability/E&O as addressing claims tied to alleged errors, omissions, missed deadlines or service mistakes, and says it covers defense and claim-handling questions that a general liability policy may not address. ¹⁰Company-reported. Professional Liability / E&O page introduction and "Coverage" section; actual terms depend on the carrier and policy placed.

Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. ^6,5Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.

Unless the declarations list a separate amount, each insuring agreement in the sample form (including the professional-liability trigger) shares the same Policy Aggregate Limit of Liability with the policy's media and cyber coverages rather than carrying its own dedicated limit. ⁶Company-reported. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations.

The reviewed page does not publish limits, retentions or premiums for professional liability/E&O; amounts would appear on a quote. ¹⁰Not found in reviewed sources. Professional Liability / E&O page as read on 2026-09-23.

Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. ⁵Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance.

To quote professional liability/E&O, Kinro collects the services provided, client types, revenue and contract terms, prior claims and retroactive dates, and whether the business handles regulated, technical, financial or operational advice, and often reviews it together with cyber, general liability and D&O coverage. ¹⁰Company-reported. Professional Liability / E&O page "Quote file" and "Reviewed with" sections.

Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims, which it describes as including implementation errors alongside software failures and IP disputes. ¹Company-reported. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.

Not described in the reviewed sources.