---
title: "Beazley vs StartupInsurance.ai"
description: "Compare Beazley MediaTech with StartupInsurance.ai’s ContractorNerd-operated policy and contract review for an AI startup."
canonical: "https://spot.insure/compare/beazley-vs-startupinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Beazley", "StartupInsurance.ai"]
---

[Human-readable page](https://spot.insure/compare/beazley-vs-startupinsurance)

# Beazley vs StartupInsurance.ai

Compare Beazley MediaTech with StartupInsurance.ai’s ContractorNerd-operated policy and contract review for an AI startup.

## Research Scope and Use

Use this comparison to evaluate Beazley and StartupInsurance.ai against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Beazley markets MediaTech technology coverage. StartupInsurance.ai is a ContractorNerd Insurance Services marketing brand offering brokerage, policy review and a broad placement catalogue; advertised AI-failure coverage lacks a named issuer or form in the reviewed public documentation. [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") [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [25](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")



## Introduction

An AI startup facing a customer’s insurance review needs a written explanation of whether its policy matches the promised work. StartupInsurance.ai offers a free policy-and-contract assessment and advertises startup and physical-risk placements. Beazley’s MediaTech provides a named technology product to examine. The useful comparison is the output of the review against an actual policy proposal, not the promise that paperwork will become easier. [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## Documented Provider Strengths

### Beazley

- Technology E&O, media and cyber in one MediaTech form [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 marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)
- Execuguard can separate or share executive-risk limits [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

### StartupInsurance.ai

- Free policy and contract review, with a company-stated 48-hour assessment. [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)
- Advertises physical-risk placements alongside startup liability coverage. [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Beazley | StartupInsurance.ai |
| --- | --- | --- |
| Builders risk | Not listed | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Commercial auto | Not listed | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Commercial property | Listed [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Crime | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Cyber liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Directors and officers | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Employment practices liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Fidelity bonds | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed |
| Fiduciary liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| General liability | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Generative AI liability | Not listed | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Hired and non-owned auto | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed |
| Management liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed |
| Media liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed |
| Medical malpractice | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed |
| Product liability | Listed [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Product recall | Listed [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Not listed |
| Professional liability / E&O | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Representations and warranties | Listed [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Not listed |
| Surety bonds | Not listed | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Technology errors and omissions | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Tools, equipment and inland marine | Not listed | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Umbrella and excess liability | Listed [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Virtual care and telehealth | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed |
| Workers’ compensation | Not listed | Listed [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Beazley and StartupInsurance.ai

### ContractorNerd Is the Disclosed Operating Agency

StartupInsurance.ai identifies itself as a marketing brand of ContractorNerd Insurance Services, LLC. ContractorNerd’s licensing page assigns insurance transactions to that agency, with agents and partners supporting service. Ask the proposal to identify the producer of record and any intermediary so the startup brand does not obscure who is responsible for placement. Beazley’s product documents serve a different role: they describe an underwriting submission and policy, not a multi-market brokerage engagement. [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [24](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [25](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

ContractorNerd reports a California license, but the shared research did not independently verify its status or establish every product’s California route. Beazley’s MediaTech route is unresolved too. A carrier brand displayed on StartupInsurance.ai’s homepage does not answer which legal insurer accepts this AI operation. [24](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information")

### AI-Failure Placement Needs a Separate Form

StartupInsurance.ai advertises AI-failure coverage without naming its issuer or policy form in the reviewed page. Beazley’s MediaTech sample contains specific exclusions and is an older document. Neither source justifies telling a customer that every harmful AI output or contractual indemnity is covered. Request the proposed AI wording and identify whether it supplements technology E&O, replaces part of it or leaves a particular obligation uninsured. [21](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")

The startup agency’s initial application offers selected liability lines, while its homepage catalogue also lists physical risks such as equipment, property and bonds. Those broader categories do not mean every line is selectable or accepted in the same online transaction. Describe physical deployment alongside the AI service if both are part of the contract. [23](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### A Free Assessment Does Not Set the Placement Price

The company’s assessment timing is a company promise, not a measured turnaround. ContractorNerd’s compensation disclosure allows commissions and buyer-paid charges, including technology or policy-handling fees; a technology access fee may be non-refundable under its stated terms. Obtain the applicable agreement before proceeding from review to placement. Beazley’s product material does not fill in those agency costs. [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [26](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## What to Confirm in Quotes

- What current AI and technology forms support the contract review’s conclusions? [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [21](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")
- Which agency, intermediary and insurer handle the California placement? [24](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [25](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information")
- What fees are refundable, and who assists with a claim beyond the policy’s required insurer notice? [26](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") [25](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim")



## Service Comparison

Beazley vs StartupInsurance.ai: documented services and availability.

| Criteria | Beazley | StartupInsurance.ai |
| --- | --- | --- |
| Business role | Beazley is a specialty insurance group operating through insurance companies and underwriting businesses. Its US disclosures distinguish the insurance entities from Beazley USA Services, Inc., which reports doing business in California as Beazley Insurance Services under license 0G55497. This is a company disclosure, not an independently verified license record. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.; verified: 2026-09-16.) | StartupInsurance.ai identifies itself as a marketing brand of ContractorNerd Insurance Services, LLC. ContractorNerd describes its role as an insurance agent or broker, not an insurer; it does not underwrite the policies. [22](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [25](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. [24](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [25](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) |
| Coverage lines | MediaTech combines technology and professional errors and omissions, media liability and cyber coverage. Beazley lists breach response, business interruption, dependent business interruption, extortion, data recovery and eCrime protections, with limits up to $5 million; the issued policy determines the cover purchased. [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 marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)<br><br>The linked MediaTech sample form is dated February 2019. It excludes patent infringement and trade-secret misappropriation related to technology or other products, and contains contractual-liability and retroactive-date restrictions. The sample is not evidence of the wording that will be offered today. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") (Evidence: Company-reported; scope: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified: 2026-09-16.)<br><br>Execuguard offers private-company directors and officers, employment practices and fiduciary liability, with separate or shared limits across selected coverages. Beazley advertises both admitted and non-admitted options; state and account eligibility still need confirmation. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)<br><br>Beazley offers Commercial Crime for commercial companies and Financial Fidelity Bonds for financial institutions. Its crime page describes fraudulent-instruction coverage subject to out-of-band authentication, with possible removal of that condition for documented controls and an additional premium. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified: 2026-09-16.)<br><br>Virtual Care lists healthcare professional liability, technology liability, cyber, media, general liability and products/completed operations for digital-health businesses. Life Sciences offers product, professional and general liability through BioSecure, NutraGuard and WellTech forms for different life-sciences exposures. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Specialty healthcare packages, not universal MediaTech benefits.; verified: 2026-09-16.)<br><br>North American Commercial Property targets mid-sized and large commercial properties on an excess and surplus lines basis. Product Recall – Manufacturing Risk and Response separately addresses consumer goods, component parts and consumables, including product-removal and related income-loss costs. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified: 2026-09-16.)<br><br>BeazleyOne Environmental combines general, professional and contractors’ pollution liability for environmental-service firms, and lists hired and non-owned auto. US Marine offers hull and marine liability on primary and excess bases; this does not establish general corporate umbrella availability. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") (Evidence: Company-reported; scope: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified: 2026-09-16.)<br><br>Beazley offers representations and warranties coverage for acquisitions. Its US Specialty Programs business works through managing general agents, program administrators and specialized brokers on professional, general, product, manufacturers’ E&O, cyber and allied-medical liability programs. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [19](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs "US Specialty Programs") (Evidence: Company-reported; scope: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified: 2026-09-16.)<br><br>The posted Digital Media Tech application says liability coverage is claims-made and reported: the claim must be made and reported within the applicable policy terms. It also warns that claims expenses reduce the liability limit and are subject to retentions. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application notice, page 1; current issued wording and endorsements control.; verified: 2026-09-16.) | The startup catalogue lists general liability, technology E&O, professional liability, cyber, D&O, employment practices, fiduciary, crime, workers’ compensation, and umbrella/excess. [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>Its physical-risk catalogue lists product liability, inland marine, tools/equipment, commercial auto, builders risk, surety and property. These are advertised placement categories, not guaranteed eligibility. [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>StartupInsurance.ai also advertises access to AI-failure coverage. The reviewed page does not identify its issuer, form or California eligibility; this does not establish that an ordinary cyber or E&O policy includes it. [21](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) |
| Application process | Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. [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") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.) | The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. [23](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) |
| Fees and compensation | The reviewed MediaTech product page, application and US website terms do not disclose a buyer-specific premium, broker commission rate or fee schedule for a MediaTech placement. Obtain an itemized quote and the placing broker’s compensation disclosure. [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") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not publicly disclosed; scope: Scoped review of public MediaTech purchase materials, not all Beazley group compensation arrangements.; verified: 2026-09-16.) | ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. [26](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Disclosure of the identified operating agency; no StartupInsurance.ai-specific signed fee agreement or amount reviewed. Disclosure says signed agreements control.; verified: 2026-09-16.) |

## Related Reading

- [What Is Beazley?](https://spot.insure/insurance-providers/beazley)
- [What Is StartupInsurance.ai?](https://spot.insure/insurance-providers/startupinsurance)

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- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international)
- [Beazley vs Kinro](https://spot.insure/compare/beazley-vs-kinro)
- [Beazley vs Layr](https://spot.insure/compare/beazley-vs-layr)
- [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton)
- [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh)
- [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo)
- [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront)
- [Beazley vs ERGO NEXT Insurance](https://spot.insure/compare/beazley-vs-next-insurance)
- [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance)
- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm)
- [Beazley vs Resilience](https://spot.insure/compare/beazley-vs-resilience)
- [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube)
- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics)
- [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance)
- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford)
- [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers)
- [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi)
- [Beazley vs Vouch](https://spot.insure/compare/beazley-vs-vouch)
- [Beazley vs WithCoverage](https://spot.insure/compare/beazley-vs-withcoverage)
- [CFC vs StartupInsurance.ai](https://spot.insure/compare/cfc-vs-startupinsurance)
- [Chubb vs StartupInsurance.ai](https://spot.insure/compare/chubb-vs-startupinsurance)
- [Coalition vs StartupInsurance.ai](https://spot.insure/compare/coalition-vs-startupinsurance)
- [Corgi vs StartupInsurance.ai](https://spot.insure/compare/corgi-vs-startupinsurance)
- [Coterie Insurance vs StartupInsurance.ai](https://spot.insure/compare/coterie-vs-startupinsurance)
- [Coverdash vs StartupInsurance.ai](https://spot.insure/compare/coverdash-vs-startupinsurance)
- [Cowbell vs StartupInsurance.ai](https://spot.insure/compare/cowbell-vs-startupinsurance)
- [Embroker vs StartupInsurance.ai](https://spot.insure/compare/embroker-vs-startupinsurance)
- [Founder Shield vs StartupInsurance.ai](https://spot.insure/compare/foundershield-vs-startupinsurance)
- [Gallagher vs StartupInsurance.ai](https://spot.insure/compare/gallagher-vs-startupinsurance)
- [Harper vs StartupInsurance.ai](https://spot.insure/compare/harper-vs-startupinsurance)
- [Heffernan Insurance Brokers vs StartupInsurance.ai](https://spot.insure/compare/heffernan-vs-startupinsurance)
- [Hiscox vs StartupInsurance.ai](https://spot.insure/compare/hiscox-vs-startupinsurance)
- [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance)
- [Kinro vs StartupInsurance.ai](https://spot.insure/compare/kinro-vs-startupinsurance)
- [Layr vs StartupInsurance.ai](https://spot.insure/compare/layr-vs-startupinsurance)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance)
- [Mylo vs StartupInsurance.ai](https://spot.insure/compare/mylo-vs-startupinsurance)
- [Newfront vs StartupInsurance.ai](https://spot.insure/compare/newfront-vs-startupinsurance)
- [ERGO NEXT Insurance vs StartupInsurance.ai](https://spot.insure/compare/next-insurance-vs-startupinsurance)
- [Pie Insurance vs StartupInsurance.ai](https://spot.insure/compare/pie-insurance-vs-startupinsurance)
- [Relm Insurance vs StartupInsurance.ai](https://spot.insure/compare/relm-vs-startupinsurance)
- [Resilience vs StartupInsurance.ai](https://spot.insure/compare/resilience-vs-startupinsurance)
- [RiskCube vs StartupInsurance.ai](https://spot.insure/compare/riskcube-vs-startupinsurance)
- [Risklytics vs StartupInsurance.ai Insurance](https://spot.insure/compare/risklytics-vs-startupinsurance)
- [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-vs-techinsurance)
- [StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford)
- [StartupInsurance.ai vs Travelers Insurance](https://spot.insure/compare/startupinsurance-vs-travelers)
- [StartupInsurance.ai vs USI](https://spot.insure/compare/startupinsurance-vs-usi)
- [StartupInsurance.ai vs Vouch](https://spot.insure/compare/startupinsurance-vs-vouch)
- [StartupInsurance.ai vs WithCoverage](https://spot.insure/compare/startupinsurance-vs-withcoverage)

## Sources

### [Beazley Official Website](https://www.beazley.com/en-us/)

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16.
2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
5. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
10. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16.
12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
13. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16.
15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16.
16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16.
19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

### [StartupInsurance.ai Official Website](https://www.startupinsurance.ai/)

21. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Current live HTML: hero; What we place; The paperwork runs itself; carrier panel; Straight talk. Fresh direct fetch supersedes older browser-cached homepage.. Accessed 2026-09-16.
22. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
23. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Initial coverage selection and seven-step navigation; no submission made. Accessed 2026-09-16.
24. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; licensing status table, California row. Accessed 2026-09-16.
25. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Sections 1, 2 and 2.A: agency role, submissions, servicing and compensation. Accessed 2026-09-16.
26. [Compensation Disclosure](https://www.contractornerd.com/compensation-disclosure/). ContractorNerd; Sections 2–9: transaction roles, commissions, buyer fees, contingent compensation and information requests. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)