--- title: "Beazley vs RiskCube: Tech E&O Insurance" description: "Beazley writes Tech E&O itself inside its MediaTech small-business package, and you can read the sample form, which covers software copyright but excludes patent claims; RiskCube shops several insurers for AI, fintech, govtech, defense, space and Web3 companies and checks contract terms your customers demand." canonical: "https://spot.insure/compare/beazley-vs-riskcube/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-riskcube" provider-a: "beazley" provider-b: "riskcube" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/beazley-vs-riskcube/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Beazley and RiskCube for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Beazley versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs RiskCube for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Beazley or RiskCube? - What does Beazley or RiskCube publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Beazley and RiskCube. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # Beazley vs RiskCube: How Do They Compare for Tech E&O Insurance? Beazley sells a bundled small-business MediaTech form placed through platforms or email. RiskCube, an independent brokerage, compares carriers and says Tech E&O quotes typically return in about 24 hours. Beazley underwrites Tech E&O in its MediaTech small-business package with a published sample form, while RiskCube is a broker that compares insurers for AI, fintech, govtech, defense, space and Web3 companies and quotes in about 24 hours. ## Beazley vs RiskCube Tech E&O Insurance Summary Beazley writes Tech E&O itself inside its MediaTech small-business package, and you can read the sample form, which covers software copyright but excludes patent claims; RiskCube shops several insurers for AI, fintech, govtech, defense, space and Web3 companies and checks contract terms your customers demand. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") ## What Are the Key Differences Between Beazley and RiskCube Tech E&O Insurance? ### Insurer Package vs Broker for Frontier Tech Beazley underwrites MediaTech, a small-business package with Tech E&O, placed through third-party platforms or email, and describes a cyber and tech claims team. RiskCube is an independent brokerage that compares Tech E&O across insurers it does not name, aimed at AI/ML, fintech, govtech, defense, space and Web3 companies, and says it usually quotes within about 24 hours of getting your product, customer, revenue, SLA or indemnity details and claims history. Choose Beazley if you are a small tech business that wants a known insurer and form; choose RiskCube if you are in one of its specialist sectors and want insurers compared for you. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [5](https://riskcubeai.com/disclosures "Disclosures & Compensation") ### Readable IP Terms vs Contract and AI Gap Checks Beazley's sample form covers software copyright infringement by your tech products but excludes patent infringement and trade-secret misappropriation. RiskCube says it checks the waiver-of-subrogation language enterprise contracts demand and can add excess cover for AI gaps such as algorithmic bias or hallucination claims. If you hold patents or sell AI, compare these points on the actual forms. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") ## What Should You Confirm in Beazley and RiskCube Tech E&O Insurance Quotes? - Ask RiskCube which insurer it would bind; Beazley's application names Beazley Insurance Company, Inc. [5](https://riskcubeai.com/disclosures "Disclosures & Compensation") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") - Compare patent, other IP, AI and SLA wording, plus any AI excess layer. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - If your customer contracts require a waiver of subrogation, confirm it is on the policy. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") - Get limits, retentions and the claims-made tail from both. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") ## Beazley vs RiskCube Tech E&O Insurance Compared | Criteria | Beazley MediaTech for Small Businesses | RiskCube Technology Errors and Omissions (E&O) Insurance | | --- | --- | --- | | How to Apply | Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance..)

Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: MediaTech product page SME placement paragraph; describes the stated distribution channel only..) | RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs..) | | 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. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: 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. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims..) | RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "What's covered" section..)

RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "Common Exclusions" section..) | | 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. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any..) | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes..) | | Issuing Insurer | Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity and state of admission for a given policy is confirmed on the quote and declarations, not the blank application. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route..) | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. [5](https://riskcubeai.com/disclosures "Disclosures & Compensation") [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23..) | ## About Beazley and RiskCube and Tech E&O Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Beazley vs RiskCube Tech E&O Insurance - [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions) - [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions) ## Sources for Beazley vs RiskCube Tech E&O Insurance ### Sources About Beazley 1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; SME placement paragraph; claims team paragraph. Accessed 2026-09-23. 2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; page 1 claims-made-and-reported notice and General Information; page 1-2 Revenue Information; pages 3-4 Contractual Controls and Ransomware Controls. Accessed 2026-09-23. 3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Media, Tech, Data & Network Liability insuring agreement; Definitions: Tech & Professional Services Wrongful Act, Tech Product Wrongful Act, Professional Services, Tech Services; Exclusions: Patent & Misappropriation of Information; Limit of Liability and Coverage; Optional Extension Period. Accessed 2026-09-23. ### Sources About RiskCube 4. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23. 5. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23. Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-vs-riskcube/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)