Beazley vs 
Resilience: How Do They Compare for Cyber Insurance?
Beazley's Full Spectrum Cyber tops out at $5 million and suits accounts under $35 million; Resilience advertises limits up to $20 million with threat monitoring and attack simulations.
Resilience's US disclosure names Homeland Insurance Company of New York or Delaware as underwriter and advertises cyber limits up to $20 million. Beazley's Full Spectrum Cyber page names no insurer and publishes a $5 million ceiling for accounts under $35 million in revenue. 6,1
What Are the Key Differences Between Beazley and Resilience Cyber Insurance?
Named US Insurer Versus an Unnamed Full Spectrum Entity
Resilience states that US cyber products are distributed by Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Delaware. Beazley's Full Spectrum Cyber page names no issuing insurer; a MediaTech application names Beazley Insurance Company, Inc., which is not confirmed for a cyber-only quote. Choose Resilience if you want those named US entities and a published $20 million ceiling; choose Beazley if you sit under $35 million in revenue and want Full Spectrum Cyber. 6 1 4
Published $20 Million Versus a $5 Million Small-Business Cap
Resilience advertises cyber limits up to $20 million on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. Beazley publishes limits up to $5 million for Full Spectrum Cyber and restricts that product to accounts under $35 million in annual revenue. 5 1
Risk Operations Center Versus Discounted Vendor Tools
Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and breach-and-attack simulations powered by AttackIQ. Full Spectrum Cyber policyholders get discounted access to vendor tools such as anti-phishing and cyber risk analysis through Beazley Security, not an in-house monitoring center described as included. 5 1
What Should You Confirm in Beazley and Resilience Cyber Insurance Quotes?
- Ask Resilience whether Homeland of New York or Delaware would issue your policy and how the $500,000 eCrime sublimit sits. 6 5
- Ask Beazley for the issuing entity and whether cyber shares a MediaTech aggregate. 1 3
- If your revenue is above $35 million, Full Spectrum Cyber is not the Beazley path described on that page. 1
- Ask Resilience for retentions; the page does not publish them. 5
Beazley vs Resilience Cyber Insurance Compared
Beazley vs Resilience: Cyber Insurance: documented features by provider
| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Resilience Cyber Insurance |
|---|---|---|
| Limits and Retentions | 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. 3Company-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. | Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. 5Company-reported. "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote. |
| 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. | Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. 5Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range). |
| 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. | Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. 5Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy. |
| 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. | Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. 5Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23. |
| Risk Services | 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. 1Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page. | Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. 5Company-reported. "The Resilience Advantage" section of the cyber product page. |
| Claims Support | 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. 1Company-reported. Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified. | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. 7Company-reported. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified. |
