Beazley vs Marsh McLennan Agency: How Do They Compare for Cyber Insurance?

For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. ^5,1Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.

Marsh McLennan Agency describes arranging cyber for the audience stated on the cited product page. ¹⁰Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

The Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. ^5,7Not found in reviewed sources. Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record.

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Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. ⁵Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.

Organizations managing cyber exposure; exact insurer, policy form, and eligibility are placement-specific. ¹⁰Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. ⁶Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording.

The cited product page describes cyber liability and a cyber-risk management strategy as part of the executive and professional risk offering. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ¹⁰Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only 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, and may differ for a stand-alone Full Spectrum Cyber policy.

The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. ¹⁰Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.

Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. ⁵Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page.

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Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. ^5,7Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal.

The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. ¹⁰Company-reported. cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. ⁵Company-reported. Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified.

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