Beazley vs 
Kinro: How Do They Compare for Professional Liability (E&O) Insurance?
Kinro is a broker that matches you to an E&O carrier, collecting revenue, contract terms and advice type first, and often reviews it with cyber and D&O. Beazley sells E&O bundled inside its MediaTech small-business form.
Kinro asks for services, clients, revenue and claims details and often reviews E&O with cyber, general liability and D&O; Beazley asks about services, staff and revenue for MediaTech. 4,2
What Are the Key Differences Between Beazley and Kinro Professional Liability (E&O) Insurance?
What the Application Asks
Kinro says it gathers your services, client types, revenue and prior claims for E&O and often reviews the line alongside cyber, general liability and D&O. Beazley’s MediaTech application asks about professional and technology services, employee count and multi-year revenue. Kinro’s intake spans several lines; Beazley’s application is tied to its bundled product. 4 2
Cross-Line Review or Fixed Bundle
Kinro can consider E&O with other lines in the same underwriting conversation. Beazley sells E&O inside MediaTech with technology, media and cyber. If you want those specific coverages together, ask Beazley about the shared aggregate; if you are shopping multiple lines more broadly, ask Kinro which carriers it will compare. 4 1 3
Quote Terms
Kinro does not publish E&O limits, retentions or premium on its reviewed page. Beazley’s sample form does not disclose the Optional Extension Period cost and duration. Request actual quote terms before comparing. 4 3
What Should You Confirm in Beazley and Kinro Professional Liability (E&O) Insurance Quotes?
Beazley vs Kinro Professional Liability (E&O) Insurance Compared
Beazley vs Kinro: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Beazley MediaTech for Small Businesses | Kinro Professional Liability / E&O |
|---|---|---|
| How to Apply | 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. 2Company-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. 4Company-reported. Professional Liability / E&O page "Quote file" and "Reviewed with" sections. |
| Coverage Features | 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. 3Company-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. 3Company-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. 4Company-reported. Professional Liability / E&O page introduction and "Coverage" section; actual terms depend on the carrier and policy placed. |
| Role in This Line | 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. 4Company-reported. Professional Liability / E&O page "Routing" and "Market fit" sections. |
