Beazley vs Vouch Tech E&O Insurance

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

Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. ¹¹Company-reported. Vouch's Technology practice page.

Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity and state of admission for a given policy is confirmed on the quote and declarations, not the blank application. ⁵Company-reported. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route.

Neither the Technology page nor the tech E&O blog post names the insurer that underwrites Vouch's tech E&O placements. ^11,12Not publicly disclosed. Pages checked on 2026-09-23.

Not described in the reviewed sources.

Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. ¹¹Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.

The sample MediaTech form defines two technology-specific triggers: a Tech & Professional Services Wrongful Act (a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Tech Services) and a Tech Product Wrongful Act (a Tech Product that fails to perform as intended, or software copyright infringement). Both are separate from the policy's Media Wrongful Act trigger. ⁶Company-reported. Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control.

The sample form excludes patent infringement and trade-secret misappropriation connected to Tech Products or other products, even though it insures Tech Product Wrongful Acts generally. ⁶Company-reported. Sample policy form F00731, 022019 edition, Patent & Misappropriation of Information exclusion; excludes only patent and the described trade-secret scenario, not all IP claims.

Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. ¹²Company-reported. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement.

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. ^6,5Company-reported. Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly.

Neither page publishes tech E&O policy limits or retentions; the blog says the amount of coverage a company chooses affects the cost of the policy without naming a range. ¹²Not publicly disclosed. Pages checked on 2026-09-23.

Beazley's MediaTech application asks for employee count, US and non-US revenue for the last three years, the share of revenue from managed IT services, and answers about ransomware controls such as multi-factor authentication, VPN use, patching cadence and backup frequency. ⁵Company-reported. Application form F00859, 042022 edition, General Information, Revenue Information and Ransomware Controls sections; a completed application does not establish acceptance.

Beazley says small and midsize MediaTech business is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. ¹Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.

Vouch's site routes prospective buyers to its online "Get Started" application flow rather than a phone-only or paper process. ¹¹Company-reported. Vouch Technology page navigation.

Beazley says its cyber and tech claims team, including experienced litigators, has handled thousands of E&O claims involving software failures, implementation errors and IP disputes. ¹Company-reported. MediaTech product page claims paragraph; outcome and volume figures are Beazley's own description and not independently verified.

Not described in the reviewed sources.