Beazley vs 
Marsh: How Do They Compare for Tech E&O Insurance?
Marsh handles Tech E&O as a professional liability specialty and designs data-center programs that pair it with property and casualty. Beazley's MediaTech is a single small-business form with media and cyber included.
Beazley's MediaTech is a small-business package bundling Tech E&O, media and cyber, with a published sample form you can read before quoting. Marsh is a broker that places Tech E&O as a specialty and builds it into custom data-center programs with property and casualty, without published terms. 1,2,5,4
What Are the Key Differences Between Beazley and Marsh Tech E&O Insurance?
Small-Business Package vs Custom Broker Programs
Beazley underwrites MediaTech for small businesses, bundling technology E&O with professional E&O, media and cyber. Marsh treats technology E&O as a professional liability specialty and also builds it into data-center programs with property, casualty and other lines, saying off-the-shelf forms weren't built for modern data-center scale. Choose Beazley if you're a small tech or media company wanting one package; choose Marsh if you're a larger company or data-center operator needing a custom program. 1 5 4
Readable Sample Form vs No Published Terms
Beazley publishes a sample form covering Tech Services and Tech Product wrongful acts, with a patent and trade-secret exclusion for Tech Products, claims-made reporting, defense costs inside the limit, and an optional tail. Marsh publishes no comparable form or limits. With Beazley you can check before quoting that defense costs reduce your limit and that some IP claims are excluded. 3 4
What Should You Confirm in Beazley and Marsh Tech E&O Insurance Quotes?
- Ask Marsh whether it's placing standalone professional liability, a data-center program or both. 4 1
- Ask Marsh which insurer it would use; Beazley's application names Beazley Insurance Company, Inc., with the issuing company confirmed on the quote. 5 2
- Compare limits, retentions, claims-made terms and IP exclusions on each form. 3 4
- Ask Marsh which other lines, if any, it would include with the E&O placement. 4 1
Beazley vs Marsh Tech E&O Insurance Compared
Beazley vs Marsh: Tech E&O Insurance: documented features by provider
| Criteria | Beazley MediaTech for Small Businesses | Marsh Technology Errors and Omissions Insurance |
|---|---|---|
| Coverage Features | The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. 3Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. 3Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims. | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 4Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. |
| Role in This Line | Beazley sells technology errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes professional E&O, media liability and cyber coverage. It is not offered as a standalone tech E&O policy for this segment. 1Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any. | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 5,4Company-reported. Marsh professional liability page and data-center insurance page. |
