---
title: "Armilla vs USI"
description: "Why Armilla’s AI liability insurance and separate performance warranties do not replace USI’s commercial brokerage program."
canonical: "https://spot.insure/compare/armilla-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Armilla", "USI Insurance Services"]
---

[Human-readable page](https://spot.insure/compare/armilla-vs-usi)

# Armilla vs USI

Why Armilla’s AI liability insurance and separate performance warranties do not replace USI’s commercial brokerage program.

## Research Scope and Use

Use this comparison to evaluate Armilla and USI Insurance Services against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Armilla offers generative-AI liability insurance and distinct performance warranties, with separate backing described for the insurance versus warranty products and a surplus-lines distribution path. USI is a brokerage whose Technology practice places many commercial lines; that menu is not a substitute for reading Armilla’s insurance-versus-warranty split. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [16](https://www.usi.com/commissions-fees/ "Commissions and Fees")



## Introduction

An AI vendor whose customer wants a performance warranty and an AI liability policy is shopping two Armilla products that Armilla keeps legally distinct—and still needs workers’ compensation, property, and ordinary directors and officers coverage from somewhere else. USI is a broker that places those commercial lines. Armilla’s published insurance product is generative-AI liability, not a complete startup program. USI’s Technology list does not use a generative-AI liability product name; that is not proof USI cannot access AI-related wording, and it is not proof USI issues Armilla warranties. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

## Documented Provider Strengths

### Armilla

- Dedicated liability coverage for AI model and agent failures [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.)
- Model assessments with remediation support and optional retesting [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.)

### USI Insurance Services

- USI’s Technology practice says it works with software, hardware and related companies from early seed stage through IPO. [10](https://www.usi.com/about-usi "The Power of ONE") [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.)
- USI says it is customarily paid insurer commissions and may receive additional contingent compensation, with details available on request. [16](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Armilla | USI Insurance Services |
| --- | --- | --- |
| Cargo and transit | Not listed | Listed [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| Commercial auto | Not listed | Listed [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Commercial property | Not listed | Listed [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Crime | Not listed | Listed [19](https://www.usi.com/property-casualty/business-services/ "Business Services") [25](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") |
| Cyber liability | Not listed | Listed [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [23](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Directors and officers | Not listed | Listed [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [19](https://www.usi.com/property-casualty/business-services/ "Business Services") [25](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") |
| Employee health and benefits | Not listed | Listed [22](https://www.usi.com/employee-benefits "Employee Benefits") [20](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Employment practices liability | Not listed | Listed [19](https://www.usi.com/property-casualty/business-services/ "Business Services") [25](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") |
| Fiduciary liability | Not listed | Listed [19](https://www.usi.com/property-casualty/business-services/ "Business Services") [25](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") |
| General liability | Not listed | Listed [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Generative AI liability | Listed [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed |
| Kidnap and ransom | Not listed | Listed [19](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Management liability | Not listed | Listed [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](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") |
| Medical malpractice | Not listed | Listed [21](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Product liability | Not listed | Listed [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Professional liability / E&O | Not listed | Listed [19](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Representations and warranties | Not listed | Listed [20](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Surety bonds | Not listed | Listed [21](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Technology errors and omissions | Not listed | Listed [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/ "Protect Your Organization From Increasing Third-Party Cyber Exposures") |
| Umbrella and excess liability | Not listed | Listed [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Workers’ compensation | Not listed | Listed [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/property-casualty/business-services/ "Business Services") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Armilla and USI

### Insurance Versus Warranty Versus Brokerage

A warranty is not an insurance policy. Do not bind a warranty and tell a customer you “have AI insurance,” or the reverse. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief")

### What the Insurance Product Is

Armilla’s published insurance catalogue in this pair is generative-AI liability. USI’s public catalogue is a multi-line brokerage menu. They overlap only if a USI proposal actually places an AI liability market—Armilla or another issuer. That is a quote question, not a default. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

### Backing

Armilla describes different backing for insurance versus warranties. USI names no issuers. If USI proposes “an AI product,” demand which of those two Armilla stacks—or which other issuer—is meant. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [23](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### US-CA Access

Armilla’s surplus-lines route is a documented constraint. USI’s CA route is unresolved. A California AI company must get both answers in writing. [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") [30](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)")

### How You Apply

Armilla also works through brokers. Whether USI will introduce Armilla is a proposal question. A direct Armilla process still leaves workers’ compensation, general liability, and other commercial lines to place separately. [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [13](https://www.usi.com/contact-us/ "Contact Us")

## What to Confirm in Quotes

- Separate specimens for Armilla insurance and Armilla warranty, with issuer/backer names. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief")
- Surplus-lines broker and California eligibility. [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") [30](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)")
- Workers’ compensation, general liability, directors and officers, and property placements at USI or another broker. [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- Whether USI’s assessment-like PATH tools are being compared, incorrectly, to Armilla’s AI assessments. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [26](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control")



## Service Comparison

Armilla vs USI: documented services and availability.

| Criteria | Armilla | USI Insurance Services |
| --- | --- | --- |
| Business role | Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)<br><br>Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [10](https://www.usi.com/about-usi "The Power of ONE") [9](https://www.usi.com/ "Insurance Brokerage and Consulting") [16](https://www.usi.com/commissions-fees/ "Commissions and Fees") [29](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)<br><br>USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [16](https://www.usi.com/commissions-fees/ "Commissions and Fees") [15](https://www.usi.com/privacy/ "Privacy") [30](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)<br><br>On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [29](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) |
| Coverage lines | Armilla’s standalone AI liability brief lists model errors and hallucinations, harmful outputs, agent mistakes, non-breach data leakage, third-party property damage and AI-related regulatory proceedings as sample coverage areas. These are advertised scopes, not confirmation that a particular loss or fine is insured. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.)<br><br>Armilla Guaranteed is a contractual performance warranty, not an insurance policy. Armilla says it funds remedies for missed agreed metrics; its FAQ describes a buyer refund when the issue cannot be resolved and identifies misuse, unauthorized changes and external events as typical exclusions. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty description, distinct from affirmative AI liability insurance; no executed warranty or issuer agreement inspected.; verified: 2026-09-16.) | USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [23](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.; verified: 2026-09-16.)<br><br>USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/property-casualty/business-services/ "Business Services") [20](https://www.usi.com/property-casualty/private-equity "Private Equity") [21](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [25](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: Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.; verified: 2026-09-16.)<br><br>USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. [22](https://www.usi.com/employee-benefits "Employee Benefits") [20](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Employer-sponsored benefits brokerage/consulting. Not individual health insurance.; verified: 2026-09-16.) |
| Access to insurers | Armilla names certain underwriters at Lloyd’s for its affirmative AI liability insurance. Its product brief also names Chaucer, Axis Capital and Convex as backing partners, without identifying the contracting insurer or syndicate for an individual quote. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: AI liability only. Partner names do not establish that each participates in every placement; no ratings independently verified.; verified: 2026-09-16.)<br><br>The warranty brief names Chaucer Group, Greenlight Re and Swiss Re as backing partners. It does not identify the legal warranty issuer, the buyer’s direct rights against a backing insurer, or a California-specific warranty contract. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty partner disclosure only; no inference that backing partners directly insure the enterprise buyer.; verified: 2026-09-16.) | USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [23](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [15](https://www.usi.com/privacy/ "Privacy") [27](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; verified: 2026-09-16.) |
| Availability | Armilla says its insurance products use surplus-lines insurers and properly licensed surplus-lines brokers, with availability varying by jurisdiction. The reviewed disclosures do not establish a California placement route for a particular applicant; a Bay Area address alone does not establish eligibility. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: US-oriented state availability disclosure; no California license, broker appointment or product eligibility independently verified.; verified: 2026-09-16.) | USI states that it is headquartered at 100 Summit Lake Drive, Suite 400, Valhalla, New York, with more than 10,000 professionals across over 200 U.S. offices, and that it serves every state. That is a company description of its office network and service footprint. It does not, by itself, establish that a particular commercial product is admitted, surplus-lines, or otherwise available in California or any other named state. [12](https://www.usi.com/about-usi/locations "Find a USI office near you") [10](https://www.usi.com/about-usi "The Power of ONE") [13](https://www.usi.com/contact-us/ "Contact Us") [9](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Headquarters and U.S. office-network claims on current official pages.; verified: 2026-09-16.)<br><br>A USI Insurance Services LLC staff biography lists a San Francisco office and prints CA DOI License # 0G11911. The reviewed usi.com practice pages do not state which commercial products are available to California-domiciled startups, whether placements are admitted or surplus lines, or which licensed entity would appear on a California policy. Current California producer-license status remains independently unverified. A California office address is not treated as product eligibility. [30](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [12](https://www.usi.com/about-usi/locations "Find a USI office near you") (Evidence: Company-reported; scope: Unresolved California contracting route for commercial P&C and benefits. Company-reported license number only.; verified: 2026-09-16.) |
| Application process | Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [18](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [17](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [13](https://www.usi.com/contact-us/ "Contact Us") [25](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: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) |

## Related Reading

- [What Is Armilla?](https://spot.insure/insurance-providers/armilla)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

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- [Armilla vs ERGO NEXT Insurance](https://spot.insure/compare/armilla-vs-next-insurance)
- [Armilla vs Pie Insurance](https://spot.insure/compare/armilla-vs-pie-insurance)
- [Armilla vs Relm Insurance](https://spot.insure/compare/armilla-vs-relm)
- [Armilla vs Resilience](https://spot.insure/compare/armilla-vs-resilience)
- [Armilla vs RiskCube](https://spot.insure/compare/armilla-vs-riskcube)
- [Armilla vs Risklytics Insurance](https://spot.insure/compare/armilla-vs-risklytics)
- [Armilla vs StartupInsurance.ai](https://spot.insure/compare/armilla-vs-startupinsurance)
- [Armilla vs TechInsurance](https://spot.insure/compare/armilla-vs-techinsurance)
- [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford)
- [Armilla vs Travelers Insurance](https://spot.insure/compare/armilla-vs-travelers)
- [Armilla vs Vouch](https://spot.insure/compare/armilla-vs-vouch)
- [Armilla vs WithCoverage](https://spot.insure/compare/armilla-vs-withcoverage)
- [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi)
- [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi)
- [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi)
- [Chubb vs USI](https://spot.insure/compare/chubb-vs-usi)
- [Coalition vs USI Insurance Services](https://spot.insure/compare/coalition-vs-usi)
- [Corgi vs USI](https://spot.insure/compare/corgi-vs-usi)
- [Coterie vs USI](https://spot.insure/compare/coterie-vs-usi)
- [Coverdash vs USI](https://spot.insure/compare/coverdash-vs-usi)
- [Cowbell vs USI](https://spot.insure/compare/cowbell-vs-usi)
- [Embroker vs USI](https://spot.insure/compare/embroker-vs-usi)
- [Founder Shield vs USI](https://spot.insure/compare/foundershield-vs-usi)
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi)
- [Harper vs USI](https://spot.insure/compare/harper-vs-usi)
- [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi)
- [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi)
- [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi)
- [Kinro vs USI](https://spot.insure/compare/kinro-vs-usi)
- [Layr vs USI](https://spot.insure/compare/layr-vs-usi)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi)
- [Mylo vs USI](https://spot.insure/compare/mylo-vs-usi)
- [Newfront vs USI](https://spot.insure/compare/newfront-vs-usi)
- [ERGO NEXT vs USI](https://spot.insure/compare/next-insurance-vs-usi)
- [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi)
- [Relm vs USI](https://spot.insure/compare/relm-vs-usi)
- [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi)
- [RiskCube vs USI Insurance Services](https://spot.insure/compare/riskcube-vs-usi)
- [Risklytics vs USI](https://spot.insure/compare/risklytics-vs-usi)
- [StartupInsurance.ai vs USI](https://spot.insure/compare/startupinsurance-vs-usi)
- [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi)
- [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi)
- [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi)
- [USI vs Vouch](https://spot.insure/compare/usi-vs-vouch)
- [USI vs WithCoverage](https://spot.insure/compare/usi-vs-withcoverage)

## Sources

### [Armilla Official Website](https://www.armilla.ai/)

1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16.
4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.). Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16.

### [USI Insurance Services Official Website](https://www.usi.com)

9. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
10. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
11. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
12. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
13. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
14. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
15. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
16. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
17. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
18. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
19. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
20. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
21. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
22. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
23. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description; no contracting insurer named. Accessed 2026-09-16.
24. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
25. [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; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
26. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
27. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
28. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
29. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
30. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/armilla-vs-usi.md)
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