What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 1,2,3,4
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 5,6
What Is Virtual Care and Telehealth Insurance?
Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. 8,9,10,11
Key Differences in Telehealth Insurance
Packaged Coverage and Physician Inclusion
CFC sells eHealth as one policy for digital-health businesses, with coverage categories spanning healthcare and technology bodily injury, cyber events, outages, technology errors and omissions, product failure, general liability and IP. It says physicians and medical practitioners are automatically covered. Liberty Mutual’s healthcare page identifies digital-health professional liability and says it addresses risks tied to virtual or telehealth care, but does not publish policy wording or provider-specific inclusions. CFC’s package scope is more explicit in the reviewed record; confirm how the Liberty Mutual form treats each service and clinician. 4 7
Eligibility and AI Terms
CFC defines eligible businesses broadly as companies that provide or use digital healthcare technology and says its policy has affirmative AI language for hallucination, generated content and model drift. Liberty Mutual positions its solution within healthcare liability for professionals and organizations but does not define eligible services, states or provider types in the reviewed source. A technology-led provider can ask CFC about the stated AI terms; for either quote, verify the covered entities and jurisdictions. 4 7
What to Confirm in Telehealth Insurance Quotes
- Does CFC’s policy include every clinician, technology activity and AI use in your care model, and what exclusions apply?
- Which virtual services, provider types and states does Liberty Mutual’s policy cover, and what telehealth exclusions apply?
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 reviewsLiberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsOffering Details
Beazley vs Liberty Mutual: Telehealth Insurance: documented features by provider
| Criteria | Beazley Virtual Care | Liberty Mutual Digital Health Professional Liability |
|---|---|---|
| Role in This Line | Beazley sells Virtual Care as a single modular policy bundling healthcare professional liability, technology liability, cyber, media liability, general liability and products/completed operations for digital-health businesses, rather than separate line-item policies. 4Company-reported. Virtual Care product description and Available Coverages list. | Liberty Mutual’s healthcare-liability page names digital-health professional liability for virtual and telehealth care delivery. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Who It’s For | Beazley targets five digital-health segments with Virtual Care: telehealth/telemedicine providers, mHealth companies building wearables and apps, med-tech/devices platforms and SaaS developers, lifestyle-and-wellness businesses, and traditional in-person healthcare entities with cyber-related bodily-injury exposure. 4Company-reported. Virtual Care "Who we can help" section. Beazley offers Virtual Care worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile and Spain. 4Company-reported. Virtual Care "Where is this offered" section. | The source positions the solution within healthcare liability for healthcare professionals and organizations; it does not define eligible services, states or provider types. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | The Available Coverages list under Virtual Care includes Healthcare Professional Liability, Tech Services/Tech Products Liability, Cyber Liability (Beazley Breach Response or InfoSec), First Party Cyber, General Liability (claims-made or occurrence), Products/Completed Operations, Media Liability and Clinical Trials Financial Injury. 4Company-reported. Virtual Care Available Coverages list; actual coverage purchased depends on the modules selected and the issued policy. Beazley highlights "affirmative coverage for claims made against an insured which results in bodily injury" as a feature of Virtual Care, distinguishing it as a policy point rather than describing every underlying module's terms. 4Company-reported. "The Beazley Difference" section of the Virtual Care page. | The source says this solution addresses liability and risks associated with virtual or telehealth care delivery; it does not publish a policy form or telehealth-specific exclusions. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | The reviewed page does not publish specific dollar limits or retentions for Virtual Care or its component modules. Those terms appear only on an actual quote. 4Not publicly disclosed. Virtual Care page as read on 2026-09-23; a supplementary product-overview PDF found in search could not be parsed for numeric limits. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | Policyholders that include the cyber module get access to Beazley Breach Response Services, which Beazley describes as covering breach-response management, information-security insurance solutions and risk-management services. 4Company-reported. "The Beazley Difference" section; service scope depends on whether the cyber module is selected. | Liberty Mutual describes a dedicated healthcare practice offering flexible, tailored liability solutions to healthcare organizations. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| How to Apply | Beazley lists several downloadable application brochures for different Virtual Care coverage combinations, such as "Virtual Care - InfoSec (no First Party)" and "Virtual Care - Professional Liability," indicating a broker-submitted, module-by-module application rather than one online form. 4Company-reported. Tools & Resources section of the Virtual Care page. | Confirm in your quote. |
| Claims Support | Beazley names a dedicated Claims Team Leader for Healthcare and several claims managers and specialists on the Virtual Care team, and directs customers to a general "Notify a Claim" channel. The page does not describe specific claims-handling procedures or timelines. 4Company-reported. Team listing and claims-contact links on the Virtual Care page. | Confirm in your quote. |
Full Comparison
More Beazley vs Liberty Mutual Comparisons
Other Telehealth Insurance Comparisons
Sources
Beazley
- 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.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. 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.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-23.
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Healthcare liability. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 118–120 describe US healthcare liability solutions; lines 129–144 name digital-health professional liability for virtual/telehealth care, hospital professional liability, miscellaneous medical professional liability, physician-group-practice professional liability, and other healthcare-specific solutions. The source shows a mix of specialty insurance and reinsurance; map only the explicitly named healthcare coverages and preserve each program/package scope. Accessed 2026-09-29.
Telehealth Insurance Guide
- Virtual Care. Beazley; Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space. Accessed 2026-09-16.
- Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization. Accessed 2026-09-16.
- Digital health insurance | eHealth. CFC; Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product. Accessed 2026-09-16.
- Telehealth FAQs. Florida Department of Health; What is telehealth?; Out-of-State Telehealth Provider registration; Maintain liability coverage or financial responsibility for telehealth services provided to patients in Florida; Florida licensee treating patients outside Florida must review the laws in the location of the patient. Accessed 2026-09-16.
