Beazley vs StartupInsurance.ai: How Do They Compare for Tech E&O Insurance?

A startup with contract promises on accuracy or uptime may value StartupInsurance.ai, which reads customer contracts against the Tech E&O wording before binding. Beazley's MediaTech targets small businesses with a bundled form.

Beazley's MediaTech is a small-business policy with a published sample form that covers unintentional breach of contract on tech services but excludes patent and trade-secret claims; StartupInsurance.ai is a startup broker that reads your customer contracts for accuracy and uptime promises the policy may not cover. ^1,^3,^4,⁶

What Are the Key Differences Between Beazley and StartupInsurance.ai Tech E&O Insurance?

Readable Sample Form vs a Contract Check Before You Bind

Beazley writes MediaTech as its small-business tech E&O policy, and its sample form counts unintentional breach of contract while delivering tech services as a covered wrongful act, but excludes patent infringement and trade-secret misappropriation on tech products. StartupInsurance.ai lists Tech E&O and Professional Liability as a program line arranged by ContractorNerd Insurance Services, LLC as broker, with Tech E&O one of seven boxes on its quote form. It says most tech E&O forms leave out accuracy warranties and uptime promises, and its free policy check flags those gaps before you bind. Covering unintentional contract breach isn't the same as covering an accuracy warranty. Choose Beazley if you want to read the form before you buy; choose StartupInsurance.ai if your customer contracts include uptime SLAs or accuracy warranties. ¹ ³ ⁴ ⁶ ⁵

AI Exclusions at Renewal

StartupInsurance.ai says one major insurer added a blanket AI exclusion to D&O, E&O and fiduciary forms at renewal, without saying whether that includes tech E&O. Beazley's MediaTech pages don't address AI exclusions. If your product uses AI, ask both before you bind. ⁴ ²

What Should You Confirm in Beazley and StartupInsurance.ai Tech E&O Insurance Quotes?

Ask StartupInsurance.ai which insurer would issue your tech E&O; Beazley's application names Beazley Insurance Company, Inc. ⁴ ²
Check whether your accuracy warranties and uptime SLAs are covered on either form. ⁴ ³
Ask both whether the policy has an AI exclusion. ⁴ ³
Ask about the extended reporting period after cancellation and whether defense costs reduce the limit. ³ ⁴

Beazley vs StartupInsurance.ai Tech E&O Insurance Compared

Beazley vs StartupInsurance.ai: Tech E&O Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	StartupInsurance.ai Technology Errors & Omissions (Tech 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. ²Company-reported. 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. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.	"Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. ⁵Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.
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. ³Company-reported. 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. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.	StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. ⁴Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy. StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. ⁴Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.
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. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.	StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. ^4,⁶Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.

Criteria

Beazley MediaTech for Small Businesses

StartupInsurance.ai Technology Errors & Omissions (Tech 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. ²Company-reported. 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. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.

"Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. ⁵Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.

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. ³Company-reported. 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. ³Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.

StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. ⁴Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.

StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. ⁴Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.

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. ¹Company-reported. US small-business MediaTech product page; does not address Beazley's larger-account technology E&O programs, if any.

StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. ^4,⁶Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.