---
title: "Alliance Risk vs USI Insurance Services: D&O Insurance"
description: "Alliance Risk publishes sample Side A limits and premiums and reviews your current D&O for gaps at no charge. USI targets small and midsize businesses and adds ExecuSafe, its own package of policy endorsements, to D&O it places."
canonical: "https://spot.insure/compare/alliance-risk-vs-usi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "alliance-risk-vs-usi"
provider-a: "alliance-risk"
provider-b: "usi"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and USI Insurance Services for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Alliance Risk versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs USI Insurance Services for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Alliance Risk or USI Insurance Services?
- What does Alliance Risk or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Alliance Risk and USI Insurance Services.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Alliance Risk vs USI Insurance Services](https://spot.insure/compare/alliance-risk-vs-usi) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# Alliance Risk vs USI Insurance Services: How Do They Compare for D&O Insurance?

USI Insurance Services brokers D&O through ExecuSafe and a technology practice spanning seed to IPO; Alliance Risk publishes indicative D&O pricing and offers a free policy review.

Alliance Risk shows sample Side A pricing and reviews your existing D&O for free, while USI adds its ExecuSafe endorsement package to D&O it places for small and midsize businesses.

## Alliance Risk vs USI Insurance Services D&O Insurance Summary

Alliance Risk publishes sample Side A limits and premiums and reviews your current D&O for gaps at no charge. USI targets small and midsize businesses and adds ExecuSafe, its own package of policy endorsements, to D&O it places. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What Are the Key Differences Between Alliance Risk and USI Insurance Services D&O Insurance?

### Gap Review vs Extra Endorsements on Your Policy

Both are brokers that review your existing coverage and shop it. Alliance Risk looks for Side A/B/C gaps and missing endorsements, then goes to management-liability specialists. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") USI does a similar gap review, and its difference is ExecuSafe: endorsements it adds to the policy it places, so the wording you get can be broader than the insurer's standard form. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") Choose USI if you're a small or midsize business buying D&O for the first time or with thin limits; choose Alliance Risk if you're venture-backed, heading to M&A or an IPO, or want sample pricing before you engage. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

### Who Each Broker Targets

USI says many small and midsize businesses skip D&O or buy too little, which is who ExecuSafe is for. Its Technology practice separately handles tech clients and cites a case where benchmarking changed a software company's limit. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Alliance Risk lists venture-backed and public companies, fintech, healthcare, real estate, financial services, nonprofits and small private companies without outside investors. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

### Price Signals and How You Start

Alliance Risk's sample Side A figures let you sanity-check a quote; you then fill in a structured quote file. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") USI publishes no limits or prices of its own, only a 2016 Chubb survey and a $450,000 average claim cost. You start by emailing its Select Business team, or the Technology and Business Services team or a local office. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [5](https://www.usi.com/property-casualty/business-services/ "Business Services")

## What Should You Confirm in Alliance Risk and USI Insurance Services D&O Insurance Quotes?

- Ask USI which ExecuSafe endorsements attach to the proposed policy and what each one adds. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- Ask Alliance Risk to run its free Side A/B/C review on that same policy. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")
- If you're a tech company, ask USI's Technology practice to benchmark your limit. [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- Neither broker names its insurers, so get the issuing insurer on both quotes. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## Alliance Risk vs USI Insurance Services D&O Insurance Compared

| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | USI ExecuSafe Directors & Officers Liability Program |
| --- | --- | --- |
| Who It’s For | Alliance Risk says D&O is relevant to venture-backed and public companies, high-risk industries such as fintech, healthcare, real estate and financial services, companies going through M&A, IPO or leadership changes, nonprofits, and small private companies without outside investors. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; eligibility for a particular company depends on underwriting..)<br><br>Alliance Risk says a company should turn on D&O coverage at its first priced funding round, because institutional investment brings personal exposure for directors and officers from day one. [2](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's program-staging guidance, describing D&O specifically among the three bundled lines..) | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) |
| How to Apply | For a D&O quote, Alliance Risk asks for company revenue, industry and stage, board composition, investor structure, current D&O coverage and carrier, five-year claims history and upcoming events such as M&A or an IPO, and says it typically delivers proposals within a few business days. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee..) | USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [5](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages..) |
| Coverage Features | Alliance Risk describes D&O policies it places as having three parts: Side A for individual directors and officers when the company cannot indemnify them, Side B reimbursing the company for indemnification costs, and Side C covering the company directly for certain liabilities. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued..)<br><br>Alliance Risk lists standard D&O exclusions it sees, including fraud and intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts before the policy started; it says employment practices and ERISA benefit-plan claims are typically excluded and need separate EPLI or fiduciary liability coverage. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; exclusion wording varies by carrier and the policy as issued..) | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) |
| Role in This Line | Alliance Risk places D&O insurance as a broker: it reviews a company's existing D&O program and markets the risk to carriers that specialize in management liability. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; Alliance Risk does not underwrite the policy itself..) | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) |
| Risk Services | Alliance Risk offers a no-charge review of an existing D&O policy, identifying gaps in the Side A/B/C structure and missing endorsements and comparing the program to market options. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page, Get Your D&O Risk Review section..) | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) |

## About Alliance Risk and USI Insurance Services and D&O Insurance

- [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews)
- [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Alliance Risk vs USI Insurance Services D&O

- [Alliance Risk vs USI Insurance Services](https://spot.insure/compare/alliance-risk-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Alliance Risk D&O Insurance](https://spot.insure/insurance-providers/alliance-risk/directors-officers)
- [USI Insurance Services D&O Insurance](https://spot.insure/insurance-providers/usi/directors-officers)

## Sources for Alliance Risk vs USI Insurance Services D&O Insurance

### Sources About Alliance Risk

1. [Directors & Officers Insurance (D&O)](https://joinalliancerisk.com/directors-officers-insurance-do/). Alliance Risk; D&O Insurance: Protecting Directors and Officers From Personal Liability; The Three Sides of D&O Coverage; What D&O Insurance Does NOT Cover; Who Needs D&O Insurance?; D&O Insurance Cost: What to Expect; How to Buy D&O Insurance; Get Your D&O Risk Review. Accessed 2026-09-23.
2. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Sources About USI Insurance Services

3. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
4. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
5. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)