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Beazley vs TechInsurance

Assessing MediaTech or a digital-health package alongside TechInsurance brokerage shopping, with attention to old sample forms and current eligibility.

Introduction

A software company adding clinical functionality needs to describe what it actually does before choosing a technology policy. Beazley markets both MediaTech and a separate Virtual Care package; TechInsurance offers technology E&O/cyber shopping. This comparison is useful for deciding which product discussion to have and who will coordinate it, not for assuming ordinary technology coverage extends to healthcare services. 1 13 27

Where Each Provider Shines

Where Beazley Shines

  • Technology E&O, media and cyber in one MediaTech form 1
  • Execuguard can separate or share executive-risk limits 10

Where TechInsurance Shines

  • One application to compare multiple insurance quotes 22
  • Technology E&O and cyber coverage marketed together 27

Coverage Comparison

Coverage TypeBeazleyTechInsurance
Business owner’s policyNot listedListed 26
Commercial autoNot listedListed 21
Commercial propertyListed 15Listed 26
CrimeListed 11Not listed
Cyber liabilityListed 1,9Listed 26
Directors and officersListed 10Listed 26
Employment practices liabilityListed 10Listed 26
Fidelity bondsListed 11Listed 26
Fiduciary liabilityListed 10Not listed
General liabilityListed 17,13Listed 26
Hired and non-owned autoListed 17Not listed
Management liabilityListed 10Not listed
Media liabilityListed 1Not listed
Medical malpracticeListed 13,14Not listed
Product liabilityListed 14Not listed
Product recallListed 16Not listed
Professional liability / E&OListed 1,17Listed 26
Representations and warrantiesListed 12Not listed
Surety bondsNot listedListed 23
Technology errors and omissionsListed 1Listed 27
Tools, equipment and inland marineNot listedListed 28
Umbrella and excess liabilityListed 18Listed 26
Virtual care and telehealthListed 13Not listed
Workers’ compensationNot listedListed 26

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

Key Differences Between Beazley and TechInsurance

Digital Health Is a Separate Product Conversation

Beazley’s Virtual Care list includes healthcare professional liability alongside technology, cyber and other sections. MediaTech is marketed to small technology and business-services companies. A founder moving from administrative software toward patient-facing services should ask which classification and wording applies; the two packages’ coverage lists should not be merged into one assumed entitlement. 13 1

TechInsurance’s technology bundle supplies a brokerage starting point, not evidence of a particular medical-professional placement. Ask the agent to address the clinical activity explicitly and identify any specialist referral needed. The records do not establish that TechInsurance places Beazley for this risk. 27 28

A Posted Sample Is a Question List, Not Today's Quote

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. 3,5

The dated form is useful for identifying issues to raise—such as intellectual property, contract liability and continuity—but it should not be used to declare a present quote covered or excluded. The posted application also warns about claims-made reporting and expenses reducing liability limits. Request the current forms from either placement route and have those provisions explained against the business’s contracts. 2 27

Placement and Renewal Need Named Owners

Beazley describes MediaTech placement through third-party platforms or email and publishes a renewal application. TechInsurance offers a comparison application and account-manager support. A platform submission is not proof of a continuing broker service commitment; ask who gathers renewal changes and handles endorsements. 1 4 22 23

Beazley’s California services-entity disclosure does not resolve current California MediaTech availability. Its M&A page’s all-state language is specific to transaction insurance and cannot fill that gap. TechInsurance’s California page similarly does not establish a Beazley placement. 6 5 12 25

What to Confirm in Quotes

  • Describe all clinical and software activities and obtain the proposed MediaTech, Virtual Care or other product classification. 13 27
  • Obtain current forms, retroactive dates, defense-cost treatment and intellectual-property provisions; do not substitute the old specimen. 3 2
  • Name the California issuer, placing intermediary, renewal owner and full compensation. 5 4 30

Service Comparison

Beazley vs TechInsurance: documented services and availability

CriteriaBeazleyTechInsurance
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. 5,6,7

TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. 23,29,30

TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. 22,23,32

Customer focus

Beazley markets MediaTech to small technology and business-services companies. Its separate Virtual Care offering addresses digital-health businesses, while its Life Sciences page targets middle to large organizations. 1,13,14

TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. 28,27

Availability

The reviewed MediaTech product page, application and US legal disclosures do not establish a current California-specific MediaTech form, admitted or surplus-lines route, or applicant eligibility. A California trade-name and license disclosure alone does not answer those product questions. 1,2,5,6

Beazley says its M&A team can underwrite and place transactions in all 50 US states. That company-reported statement includes California for M&A, but does not establish MediaTech availability or acceptance of a particular transaction. 12

TechInsurance’s California sales page offers an application and quote-comparison route for general liability, professional E&O, business owner’s policies, workers’ compensation, cyber, commercial auto, fidelity bonds and umbrella coverage. This establishes a marketed California route, not acceptance of a particular startup or availability of every listed product. 25

TechInsurance reports licensing in all 50 states and Washington, D.C., and lists California license 0L09546. Current regulator status, authority and appointments were not independently verified for this profile. 24

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. 1,2

TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. 22

TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. 23

Servicing and renewals

Beazley publishes a MediaTech renewal application. The reviewed renewal form and product page do not establish a guaranteed renewal, dedicated account manager, or turnaround commitment for policy changes. 4,1

Full Spectrum Cyber for small businesses combines Beazley Breach Response with security tools and services. Beazley describes incident-response coordination and discounted vendor services. Its myBeazley quote-and-bind route is for brokers handling accounts below $35 million in revenue and limits no higher than $5 million; these are cyber-route criteria, not MediaTech eligibility rules. 9

TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. 21,23

The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. 22,23

Sources

Beazley Official Website

  1. MediaTech for Small Businesses. Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16.
  2. Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
  3. Beazley MediaTech Sample Policy. 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. Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
  5. Legal Information. 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. Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
  7. US Contingency Toolkit. Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
  8. 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. 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). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
  11. Crime and Fidelity. Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16.
  12. Mergers & Acquisitions. Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
  13. Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
  14. Life Sciences. Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16.
  15. 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. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  17. Environmental Package Policy (BeazleyOne Environmental). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
  18. Beazley US Marine. Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16.
  19. US Specialty Programs. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  20. Explore All Products. Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

TechInsurance Official Website

  1. Technology Business Insurance. TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
  2. About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
  3. Contact Us. TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
  4. Insurance Licensing. TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
  5. Small Business Insurance in California. TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
  6. Small Business Insurance. TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
  7. Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
  8. Our Insurance Partners. TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
  9. Compensation Disclosure Notice. TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
  10. Compensation Disclosure. Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
  11. How Do I File a Business Insurance Claim?. TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
  12. Hub International and Bold Penguin to Acquire Insureon. HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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