Beazley vs 
Vouch: How Do They Compare for Professional Liability (E&O) Insurance?
Vouch is a broker for accounting, architecture, IT and marketing firms with an online Get Started flow. Beazley sells E&O bundled in its MediaTech form with media and cyber, and its sample form leaves out accountants and architects.
Vouch lists architecture, engineering and construction firms among its E&O buyers; Beazley’s MediaTech form excludes several licensed professions. 6,2
What Are the Key Differences Between Beazley and Vouch Professional Liability (E&O) Insurance?
Industry Fit for Design and Construction
Vouch groups architecture, engineering and construction firms among its professional-services E&O buyers. Beazley’s MediaTech form excludes architects, engineers and other licensed professions from its Professional Services trigger. A design or construction firm should confirm Beazley’s eligibility before comparing terms; Vouch names that industry group directly. 4 3
Separate Broker Placement or MediaTech
Vouch places professional E&O through program partners, including Corix for some products. Beazley bundles E&O with technology, media and cyber under MediaTech. Ask whether your Vouch quote is Corix-branded and compare its limits and terms with Beazley’s aggregate. 5 1 3
Start the Application
Vouch’s site offers a “Get Started” path, while Corix provides a broker application and appointment process. Beazley asks for business revenue, services and client-contract terms in its MediaTech application. Prepare those materials if you pursue Beazley. 4 5 2
What Should You Confirm in Beazley and Vouch Professional Liability (E&O) Insurance Quotes?
- Ask Vouch whether Corix or another partner will place your policy and which insurer will issue it. 6
- Confirm your design, engineering and construction services fit the policy definitions. 4 3
- Ask Beazley whether E&O shares an aggregate with MediaTech’s other coverages. 3
- Request actual limits, retentions and premiums from both. 4 3
Beazley vs Vouch Professional Liability (E&O) Insurance Compared
Beazley vs Vouch: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Beazley MediaTech for Small Businesses | Vouch Errors & Omissions Insurance |
|---|---|---|
| How to Apply | Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. 2Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance. | Corix's E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. 5,4Company-reported. Corix product page and Vouch site navigation. |
| 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. | Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. 5Company-reported. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy. |
| 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. | Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. 4,5Company-reported. Vouch's Professional Services page and Corix's cyber/E&O product page. |
| Issuing Insurer | Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. 2Company-reported. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route. | Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. 6Company-reported. Corix disclosures page. |
