---
title: "Beazley vs Risklytics: Tech E&O Insurance"
description: "Risklytics places Tech E&O for robotics, autonomy and AI companies with specialist insurers, checks every form for AI exclusions and charges no broker fee. Beazley insures Tech E&O itself inside MediaTech, a small-business package with a sample form you can read before applying."
canonical: "https://spot.insure/compare/beazley-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-risklytics"
provider-a: "beazley"
provider-b: "risklytics"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-risklytics/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Beazley and Risklytics 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 Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Risklytics for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Beazley or Risklytics?
- What does Beazley or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Beazley and Risklytics.
- 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 Risklytics](https://spot.insure/compare/beazley-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# Beazley vs Risklytics: How Do They Compare for Tech E&O Insurance?

Risklytics runs an online application with no broker fee on top of premium and screens policy forms for AI exclusions. Beazley's MediaTech is a small-business form with media and cyber, placed via platforms or email.

Risklytics places Tech E&O for robotics, autonomy and AI companies and screens forms for AI exclusions, while Beazley bundles Tech E&O into its MediaTech small-business policy.

## Beazley vs Risklytics Tech E&O Insurance Summary

Risklytics places Tech E&O for robotics, autonomy and AI companies with specialist insurers, checks every form for AI exclusions and charges no broker fee. Beazley insures Tech E&O itself inside MediaTech, a small-business package with a sample form you can read before applying. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

## What Are the Key Differences Between Beazley and Risklytics Tech E&O Insurance?

### AI-Risk Specialist vs a Small-Business Package

Risklytics is a broker that places Tech E&O with specialist insurers willing to write robotics, autonomy and AI risk; the insurer appears on your bound policy. Beazley writes Tech E&O itself inside MediaTech, placed by brokers through platforms or email. Choose Risklytics if your product is AI, robotics or autonomy; choose Beazley if you're a conventional small tech business that wants a known insurer's package. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

### AI Exclusion Review vs a Published Form

Risklytics says Tech E&O pays when your product costs a customer money, such as a perception model mislabeling shipments, and warns that some insurers quietly exclude AI losses, so it reads every form before binding. Beazley's sample form covers wrongful acts in tech services and products, including software copyright infringement, excludes patent and trade-secret claims on products, and describes no AI screening. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

### Limits and Applying

Risklytics says customers typically ask for $1 million to $5 million per claim; you apply online with no broker fee on top of premium. Beazley's application asks for headcount, revenue, managed-IT share and ransomware controls, and it publishes no MediaTech maximum. [6](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## What Should You Confirm in Beazley and Risklytics Tech E&O Insurance Quotes?

- Ask Risklytics which insurer is on your binder; Beazley's application names Beazley Insurance Company, Inc. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")
- Check for AI exclusions on either form. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Get per-claim limits from both and compare with the $1 million to $5 million range. [6](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Ask about tail cover after the claims-made policy ends and whether defense reduces the limit. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## Beazley vs Risklytics Tech E&O Insurance Compared

| Criteria | Beazley MediaTech for Small Businesses | Risklytics Professional Liability (Tech E&O) Insurance |
| --- | --- | --- |
| Limits and Retentions | Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly..) | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..)<br><br>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..) | You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [6](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| 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..)<br><br>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..) | Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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..) | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |

## About Beazley and Risklytics and Tech E&O Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Beazley vs Risklytics Tech E&O Insurance

- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics): 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)
- [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions)

## Sources for Beazley vs Risklytics 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 Risklytics

4. [Professional Liability (Tech E&O) Insurance](https://www.risklytics.ai/lines/professional/). Risklytics; Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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-risklytics/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)