Beazley vs Newfront Telehealth Insurance

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.

Newfront brokers insurance programs for digital-health and telemedicine businesses through a dedicated Digital Health & Telemedicine team; it does not underwrite the coverage. ⁹Company-reported. Digital health page intro and Our approach section.

Not described in the reviewed sources.

The reviewed digital-health page does not name an issuing insurer; it describes working with 'cyber risk professionals' internally rather than naming carriers. ⁹Not publicly disclosed. Page as read on 2026-09-23.

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.

Newfront says its Digital Health & Telemedicine team designs programs for companies at any stage, from start-up to market leader, without stating a minimum revenue or size threshold. ⁹Company-reported. Strategies for the journey section.

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.

Newfront lists financial injury, professional liability, product liability, and cyber liability as risk categories its digital-health programs address, along with compliance support tied to data-breach and patient-privacy regulations. ⁹Company-reported. Page intro and Compliance + customer protection section.

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 reviewed page does not publish limit ranges or retentions for digital-health programs; coverage is described as custom-designed per client rather than with a fixed schedule. ⁹Not publicly disclosed. Page as read on 2026-09-23.

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.

Newfront says its team addresses novel exposures such as wearables and device-based data capture, and works with its cyber risk group on phishing and ransomware exposure, regulatory issues, and coverage benchmarking. ⁹Company-reported. Vertically-dedicated team and Cyber liability expertise sections.

Newfront says clients can view policies, request changes, find certificates, submit claims, and pay invoices through its platform, with 24/7 access to their insurance program. ⁹Company-reported. A tech-forward take and Industry-leading technology sections.

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.

Not described in the reviewed sources.

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.

Newfront says it provides custom playbooks that guide clients through contract details or claims processes so they know what to do and who to contact. ⁹Company-reported. Step-by-step claims guidance section.