--- title: "Beazley vs StartupInsurance.ai: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/beazley-vs-startupinsurance/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-startupinsurance" provider-a: "beazley" provider-b: "startupinsurance" 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-startupinsurance/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Beazley and StartupInsurance.ai 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 StartupInsurance.ai. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs StartupInsurance.ai for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Beazley or StartupInsurance.ai? - What does Beazley or StartupInsurance.ai publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Beazley and StartupInsurance.ai. - 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 StartupInsurance.ai](https://spot.insure/compare/beazley-vs-startupinsurance) — 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 - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile # 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 gives small tech businesses a sample form you can read, covering unintentional contract breaches but not patent or trade-secret claims, while StartupInsurance.ai is a broker that checks your customer contracts for uncovered promises. ## Beazley vs StartupInsurance.ai Tech E&O Insurance Summary 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](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://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") ## 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](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://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [5](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") ### 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") ## 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") - Check whether your accuracy warranties and uptime SLAs are covered on either form. [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - Ask both whether the policy has an AI exclusion. [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - Ask about the extended reporting period after cancellation and whether defense costs reduce the limit. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## Beazley vs StartupInsurance.ai Tech E&O Insurance Compared | 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. [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..) | "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. [5](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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. [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..) | 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. [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: 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..) | ## About Beazley and StartupInsurance.ai and Tech E&O Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Beazley vs StartupInsurance.ai Tech E&O Insurance - [Beazley vs StartupInsurance.ai](https://spot.insure/compare/beazley-vs-startupinsurance): 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) - [StartupInsurance.ai Tech E&O Insurance](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions) ## Sources for Beazley vs StartupInsurance.ai 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 StartupInsurance.ai 4. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23. 5. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing”. Accessed 2026-09-23. 6. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”. 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-startupinsurance/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)