---
title: "Beazley vs USI Insurance Services D&O Insurance"
description: "Beazley underwrites private-company D&O up to $20 million; USI brokers D&O including its ExecuSafe endorsement package for small and midsize businesses."
canonical: "https://spot.insure/compare/beazley-vs-usi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs USI Insurance Services D&O Insurance

Beazley underwrites private-company D&O up to $20 million; USI brokers D&O including its ExecuSafe endorsement package for small and midsize businesses.

## Research Scope and Use

Use this comparison to evaluate Beazley and USI Insurance Services for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites private-company D&O itself, with advertised limits up to US $20 million and Excess Side A. USI is a broker that reviews existing management-liability policies and places D&O, including through ExecuSafe, a named endorsement package for small- and medium-sized businesses, without naming the underwriter on the reviewed pages. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [9](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") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [11](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Policy Issuer Versus ExecuSafe Placement

Beazley underwrites private-company D&O. USI helps clients identify D&O exposures, review existing management-liability policies for gaps, and place coverage, including through ExecuSafe, an endorsement package it applies to policies placed with the market; the reviewed pages do not name the insurer that underwrites ExecuSafe or other D&O placements. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [9](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")

### Who the Brokerage Targets

USI targets small- and medium-sized businesses for ExecuSafe, saying many skip D&O or buy insufficient limits because brokers do not help them identify the exposure; its Technology practice separately handles D&O for technology clients and cites a benchmarking case study in which a software company was buying more D&O limit than peers. Beazley’s D&O page targets privately held companies of all sizes without that SMB framing. [9](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") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

### Capacity Versus Survey Figures

Beazley advertises limits up to US $20 million, Excess Side A, and a duty-to-defend or pay-on-behalf choice. USI cites a 2016 Chubb survey that 43% of private companies carry no D&O, with an average private-company D&O claim cost of $450,000, but does not publish USI’s own placed limits. USI directs ExecuSafe inquiries to a Select Business email and routes Technology and Business Services inquiries to a practice inbox or a local office. Beazley lists Executive Risk underwriter contacts. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [9](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") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [10](https://www.usi.com/property-casualty/business-services/ "Business Services")

## What to Confirm in D&O Insurance Quotes

- Ask USI whether the quote is ExecuSafe or another placement, and which carrier would issue it. [9](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 Beazley for Excess Side A, the defense election and the quoted limit. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")
- If you are a technology company, ask USI how its benchmarking would set limit relative to Beazley’s $20 million advertised maximum. [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")
- Do not treat the 2016 $450,000 average claim figure as a quoted limit or retention. [9](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")

## Offering Details

| Criteria | Beazley D&O – Private Companies | USI ExecuSafe Directors & Officers Liability Program |
| --- | --- | --- |
| Role in This Line | Beazley underwrites private-company directors and officers (D&O) liability itself, offered as a standalone product on its D&O - Private Companies page and bundled with employment practices and fiduciary liability coverage in its ExecuGuard package policy. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy..) | 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. [9](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..) |
| Issuing Insurer | Neither the D&O - Private Companies page nor the ExecuGuard page names the specific Beazley insurance entity that issues the policy; ExecuGuard states both admitted and non-admitted versions are available, so the issuing carrier depends on the policy placed. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Not found in reviewed sources; scope: Both product pages as read on 2026-09-23; the issued policy's declarations control the actual insurer..) | USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. [9](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: Not publicly disclosed; scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23..) |
| Who It’s For | The D&O page targets privately held companies of all sizes facing litigation such as employment allegations, fraud and misrepresentation claims, without a stated employee-count or revenue threshold on that page. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: Private-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages..) | 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. [9](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") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) |
| Coverage Features | The D&O product lets the policyholder choose between a "duty to defend" or "pay on behalf" claim-handling structure, and Beazley says it pays 100% of defense costs for covered loss. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy..)<br><br>Beazley offers a dedicated additional Excess Side A limit that responds for individual directors and officers when the company cannot indemnify them or the underlying limit is exhausted, plus an optional employed-lawyers errors-and-omissions extension. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; availability and pricing of the extension depend on underwriting..) | 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. [9](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..) |
| Limits and Retentions | Beazley advertises private-company D&O limits up to US $20 million, on either an admitted or non-admitted (surplus lines) basis; actual limits and retentions are set by underwriting and appear on the declarations. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount..) | USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. [9](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: Not publicly disclosed; scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data..) |
| Risk Services | D&O policyholders get pre-approved choice-of-counsel flexibility, and law-firm insureds can access a bespoke executive-risk wording through Beazley's related Practice Protect product. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; scope and terms of the Practice Protect wording were not independently reviewed..) | 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. [7](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..) |
| How to Apply | Beazley lists a downloadable EPL renewal application as a tool on the D&O page and names regional Executive Risk underwriters and brokers as contacts, but the reviewed page does not describe a self-service online quoting flow for new D&O business. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact..) | 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. [9](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") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [10](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..) |
| Claims Support | Beazley illustrates its D&O claims approach with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal, avoiding a settlement; this is a single company-reported example, not audited claims-outcome data. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: ExecuGuard page scenario section; outcome statistics are not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs USI Insurance Services](https://spot.insure/compare/beazley-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Beazley vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/beazley-vs-usi/commercial-property)
- [Beazley vs USI Insurance Services Crime Insurance](https://spot.insure/compare/beazley-vs-usi/crime)
- [Beazley vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/beazley-vs-usi/cyber)
- [Beazley vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-usi/employment-practices)
- [Beazley vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-usi/fiduciary)
- [Beazley vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/beazley-vs-usi/management-liability)
- [Beazley vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-usi/medical-malpractice)
- [Beazley vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-usi/professional-errors-omissions)
- [Beazley vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-usi/representations-warranties)
- [Alliance Risk vs Beazley D&O Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/directors-officers)
- [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers)
- [Amelia Risk vs Beazley D&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/directors-officers)
- [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers)
- [Beazley vs CFC D&O Insurance](https://spot.insure/compare/beazley-vs-cfc/directors-officers)
- [Beazley vs Chubb D&O Insurance](https://spot.insure/compare/beazley-vs-chubb/directors-officers)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available; Examples or Scenarios: California securities class action/derivative action. Accessed 2026-09-23.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [D&O - Private Companies](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/). Beazley; What we offer; How can we help: duty to defend/pay on behalf, 100% defense for covered loss, Excess Side A limit, private placement coverage, Practice Protect for lawyers; Up to US $20,000,000; Tools & Resources: EPL_RenewalApp. Accessed 2026-09-23.

### USI Insurance Services

6. [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.
7. [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.
8. [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.
9. [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.
10. [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.

### D&O Insurance Guide

11. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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