Beazley vs Relm Insurance: How Do They Compare for Cyber Insurance?

Beazley's Full Spectrum Cyber is for accounts under $35 million, with a breach-response service; Relm Insurance sells cyber through brokers next to its tech errors and omissions line.

Relm markets cyber liability next to Technology E&O and says the two are related but not the same coverage. Beazley can put cyber on a MediaTech form that shares one aggregate with technology, professional and media coverages unless declarations list a separate amount. ^5,³

What Are the Key Differences Between Beazley and Relm Insurance Cyber Insurance?

Separate Cyber From Tech E&O Versus a Shared MediaTech Aggregate

Relm puts cyber liability on the same page as Technology Errors and Omissions and explicitly notes the two are related but not the same coverage. Beazley's sample MediaTech form can share one Policy Aggregate Limit of Liability across cyber, technology, professional and media insuring agreements unless the declarations list a separate amount. Choose Relm if you want cyber kept distinct from Tech E&O; choose Beazley if a combined MediaTech form with a shared aggregate fits how you buy. ⁵ ³

Broker Channel Versus myBeazley Small Accounts

Relm sells cyber through insurance brokers and does not describe a direct online quote. Beazley Full Spectrum Cyber is also broker-only, but it publishes a small-account path: under $35 million in revenue and limits up to $5 million on myBeazley. ⁵ ¹

Network, Privacy and Extortion Versus Named Agreements

Relm says cyber addresses network security breaches, privacy breaches and extortion threats, including notification, credit monitoring, PR, forensic investigation and legal defense, and it splits first-party own losses from third-party claims. Beazley's sample form names Breach Response Costs, Cyber Extortion Loss, business interruption and eCrime as the cyber agreements. ⁵ ³

What Should You Confirm in Beazley and Relm Insurance Cyber Insurance Quotes?

Ask Relm which insurer would issue the policy; the reviewed page does not name one. ⁵
Ask Beazley whether cyber shares the MediaTech aggregate or carries a dedicated limit. ³
If you also need Tech E&O, confirm Relm would place it on a separate form from cyber. ⁵
Ask Beazley whether the quote is Full Spectrum Cyber or MediaTech. ¹

Beazley vs Relm Insurance Cyber Insurance Compared

Beazley vs Relm Insurance: Cyber Insurance: documented features by provider

Criteria	Beazley Full Spectrum Cyber for Small Businesses	Relm Cyber Insurance
Who It’s For	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. ¹Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.	Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' ⁵Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.
How to Apply	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. ^1,⁴Company-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.	Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁵Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	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. ³Company-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.	Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. ⁵Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. ⁵Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
Role in This Line	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. ^1,²Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.	Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. ⁵Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products.