Beazley vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

The Hartford shows average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability, for accountants, consultants and tech firms. Beazley bundles E&O into MediaTech with cyber and media.

The Hartford lists a $239 monthly minimum for architects and engineers; Beazley bundles E&O with technology, media and cyber but excludes some licensed professions. ^4,³

What Are the Key Differences Between Beazley and The Hartford Professional Liability (E&O) Insurance?

Price Benchmark for Architects and Engineers

The Hartford publishes five professional-liability product minimums, from $38 per month for healthcare professionals to $239 for architects and engineers. Beazley does not publish comparable pricing for MediaTech. The Hartford gives an A&E firm a profession-specific starting figure; the quote may differ based on its exposure and requested limits. ⁴ ²

Which Profession Fits the Form?

Beazley’s MediaTech definition excludes architects, engineers, accountants, lawyers and other listed professions. The Hartford has a dedicated A&E product. If you are an architect or engineer, check Beazley’s eligibility first and then compare the Hartford form with the actual MediaTech wording. ³ ⁴

Extended Reporting Terms

The Hartford says many claims-made policies include 30-to-60-day extended reporting and can be extended for a year or longer at added cost. Beazley offers an Optional Extension Period but does not publish its price or duration. Compare those costs if prior work may lead to a later claim. ⁴ ³

What Should You Confirm in Beazley and The Hartford Professional Liability (E&O) Insurance Quotes?

Ask The Hartford which product fits your profession and get its actual premium, limit and retention. ⁴
Confirm your services are not excluded under Beazley’s MediaTech definition. ³
Ask Beazley for the Optional Extension Period cost and duration. ³
Compare defense terms and limits across the actual forms. ⁴ ³

Beazley vs The Hartford Professional Liability (E&O) Compared

Beazley vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Beazley MediaTech for Small Businesses	The Hartford Professional Liability Insurance (Errors & Omissions)
Limits and Retentions	Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. ^3,²Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly. Unless the declarations list a separate amount, each insuring agreement in the sample form (including the professional-liability trigger) shares the same Policy Aggregate Limit of Liability with the policy's media and cyber coverages rather than carrying its own dedicated limit. ³Company-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.	The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. ⁴Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
Coverage Features	The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control. The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ³Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.	The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ⁴Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
Role in This Line	Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.	The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ⁴Company-reported. Professional liability product page as read 2026-09-23.

Criteria

Beazley MediaTech for Small Businesses

The Hartford Professional Liability Insurance (Errors & Omissions)

Limits and Retentions

Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. ^3,²Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.

Unless the declarations list a separate amount, each insuring agreement in the sample form (including the professional-liability trigger) shares the same Policy Aggregate Limit of Liability with the policy's media and cyber coverages rather than carrying its own dedicated limit. ³Company-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.

The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. ⁴Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.

Coverage Features

The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. ³Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. ³Company-reported. Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech.

The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ⁴Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.

Role in This Line

Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. ¹Company-reported. US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately.

The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ⁴Company-reported. Professional liability product page as read 2026-09-23.