Beazley vs TechInsurance Cyber Insurance

For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. ^5,1Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.

TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ¹⁰Company-reported. Cyber liability product page.

The Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. ^5,7Not found in reviewed sources. Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record.

The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. ¹⁰Not publicly disclosed. Cyber liability product page as read on 2026-09-23.

Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. ⁵Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.

TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ¹⁰Company-reported. Who needs cyber liability insurance section of the product page.

The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. ⁶Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording.

TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ¹⁰Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form.

TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ¹⁰Company-reported. What isn't covered by cyber liability insurance section of the product page.

In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. ⁶Company-reported. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy.

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ¹⁰Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. ⁵Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page.

The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. ¹⁰Not found in reviewed sources. Cyber liability product page as read on 2026-09-23.

Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. ^5,7Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal.

You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ¹⁰Company-reported. Cyber liability product page application and certificate sections.

Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. ⁵Company-reported. Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified.

Not described in the reviewed sources.