--- title: "Beazley vs USI" description: "How Beazley’s specialty insurer packages differ from USI’s role as a broker that might place Beazley or other markets." canonical: "https://spot.insure/compare/beazley-vs-usi" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Beazley", "USI Insurance Services"] --- [Human-readable page](https://spot.insure/compare/beazley-vs-usi) # Beazley vs USI How Beazley’s specialty insurer packages differ from USI’s role as a broker that might place Beazley or other markets. ## Research Scope and Use Use this comparison to evaluate Beazley 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 Beazley underwrites specialty insurance, including technology, digital-health, and executive packages, typically accessed through a broker application rather than a consumer checkout. USI is a brokerage that does not name placing insurers on its public technology pages and also arranges workers’ compensation and benefits that Beazley’s published US specialty packages do not present as a complete commercial program. [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/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [25](https://www.usi.com/contact-us/ "Contact Us") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") ## Introduction Beazley Media Tech or ExecuGuard is a policy-form conversation. USI is a placement conversation. Wanting Beazley paper still requires a broker to submit, and to place lines Beazley is not quoting on that package. Beazley’s catalogue is not a full US commercial program, and USI’s Technology list is not Beazley wording. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ## Documented Provider Strengths ### Beazley - Technology E&O, media and cyber in one MediaTech form [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.) - Execuguard can separate or share executive-risk limits [10](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 Execuguard; no assertion every coverage is included in every quote.; 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. [22](https://www.usi.com/about-usi "The Power of ONE") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [41](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. [28](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 | Beazley | USI Insurance Services | | --- | --- | --- | | Cargo and transit | Not listed | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") | | Commercial auto | Not listed | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Commercial property | Listed [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | Crime | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](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 | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [35](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | Directors and officers | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](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 [34](https://www.usi.com/employee-benefits "Employee Benefits") [32](https://www.usi.com/property-casualty/private-equity "Private Equity") | | Employment practices liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](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") | | Fidelity bonds | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed | | Fiduciary liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](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 | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Hired and non-owned auto | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed | | Kidnap and ransom | Not listed | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Management liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [37](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") | | Media liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed | | Medical malpractice | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Listed [33](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | Product liability | Listed [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | Product recall | Listed [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Not listed | | Professional liability / E&O | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Representations and warranties | Listed [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Listed [32](https://www.usi.com/property-casualty/private-equity "Private Equity") | | Surety bonds | Not listed | Listed [33](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | Technology errors and omissions | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [36](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 | Listed [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Virtual care and telehealth | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed | | Workers’ compensation | Not listed | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](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 Beazley and USI ### Underwriter Versus Producer Beazley’s US terms and legal pages identify how Beazley companies write business. USI obtains contracts from insurers. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") ### Package Design Beazley publishes package constructions (tech/digital, executive, crime, transaction, health) and qualifies sample forms. USI publishes a brokerage menu (cargo, PrivaSafe, directors and officers). Compare specimen to specimen once a USI proposal names a market. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ### California Access Both firms leave important California routing questions for the quote. Do not infer surplus-lines details from a London specialty brand or from a USI office map. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [42](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") ### Application Path Beazley is reached through brokers. Emailing USI is an inquiry to a producer; it is not a Beazley bind, and it does not mean USI will submit to Beazley unless the proposal says so. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [25](https://www.usi.com/contact-us/ "Contact Us") ### Claims-Made and Notice Beazley specialty is often claims-made; notice conditions are strict. USI’s kit says involve the USI team on professional and cyber. If Beazley is the issuer, the Beazley notice clause controls regardless of USI’s kit date. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") [39](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") ## What to Confirm in Quotes - Whether USI will submit Media Tech / ExecuGuard or a different market. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [35](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") - Claims-made retro date and notice email/address on the actual form. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") - Remaining program (workers’ compensation, property, benefits) outside Beazley packages. [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") - Fees: Beazley’s US terms versus USI commissions. [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") ## Service Comparison Beazley vs USI: documented services and availability. | Criteria | Beazley | USI Insurance Services | | --- | --- | --- | | Business role | Beazley is a specialty insurance group operating through insurance companies and underwriting businesses. Its US disclosures distinguish the insurance entities from Beazley USA Services, Inc., which reports doing business in California as Beazley Insurance Services under license 0G55497. This is a company disclosure, not an independently verified license record. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.; 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. [22](https://www.usi.com/about-usi "The Power of ONE") [21](https://www.usi.com/ "Insurance Brokerage and Consulting") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") [41](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.)

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. [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") [27](https://www.usi.com/privacy/ "Privacy") [42](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.)

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. [41](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 | MediaTech combines technology and professional errors and omissions, media liability and cyber coverage. Beazley lists breach response, business interruption, dependent business interruption, extortion, data recovery and eCrime protections, with limits up to $5 million; the issued policy determines the cover purchased. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)

The linked MediaTech sample form is dated February 2019. It excludes patent infringement and trade-secret misappropriation related to technology or other products, and contains contractual-liability and retroactive-date restrictions. The sample is not evidence of the wording that will be offered today. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") (Evidence: Company-reported; scope: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified: 2026-09-16.)

Execuguard offers private-company directors and officers, employment practices and fiduciary liability, with separate or shared limits across selected coverages. Beazley advertises both admitted and non-admitted options; state and account eligibility still need confirmation. [10](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 Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

Beazley offers Commercial Crime for commercial companies and Financial Fidelity Bonds for financial institutions. Its crime page describes fraudulent-instruction coverage subject to out-of-band authentication, with possible removal of that condition for documented controls and an additional premium. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified: 2026-09-16.)

Virtual Care lists healthcare professional liability, technology liability, cyber, media, general liability and products/completed operations for digital-health businesses. Life Sciences offers product, professional and general liability through BioSecure, NutraGuard and WellTech forms for different life-sciences exposures. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Specialty healthcare packages, not universal MediaTech benefits.; verified: 2026-09-16.)

North American Commercial Property targets mid-sized and large commercial properties on an excess and surplus lines basis. Product Recall – Manufacturing Risk and Response separately addresses consumer goods, component parts and consumables, including product-removal and related income-loss costs. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified: 2026-09-16.)

BeazleyOne Environmental combines general, professional and contractors’ pollution liability for environmental-service firms, and lists hired and non-owned auto. US Marine offers hull and marine liability on primary and excess bases; this does not establish general corporate umbrella availability. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") (Evidence: Company-reported; scope: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified: 2026-09-16.)

Beazley offers representations and warranties coverage for acquisitions. Its US Specialty Programs business works through managing general agents, program administrators and specialized brokers on professional, general, product, manufacturers’ E&O, cyber and allied-medical liability programs. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [19](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs "US Specialty Programs") (Evidence: Company-reported; scope: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified: 2026-09-16.)

The posted Digital Media Tech application says liability coverage is claims-made and reported: the claim must be made and reported within the applicable policy terms. It also warns that claims expenses reduce the liability limit and are subject to retentions. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application notice, page 1; current issued wording and endorsements control.; 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. [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [35](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.)

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. [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [32](https://www.usi.com/property-casualty/private-equity "Private Equity") [33](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [37](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.)

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. [34](https://www.usi.com/employee-benefits "Employee Benefits") [32](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.) | | Application process | Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. [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/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; 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. [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/contact-us/ "Contact Us") [37](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.) | | Availability | The reviewed MediaTech product page, application and US legal disclosures do not establish a current California-specific MediaTech form, admitted or surplus-lines route, or applicant eligibility. A California trade-name and license disclosure alone does not answer those product questions. [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/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not found in reviewed sources; scope: Reviewed public documents as of 2026-09-16; no California regulator product filing or issued quote inspected.; verified: 2026-09-16.)

Beazley says its M&A team can underwrite and place transactions in all 50 US states. That company-reported statement includes California for M&A, but does not establish MediaTech availability or acceptance of a particular transaction. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: M&A product only; independently verified state authorization not established.; 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. [24](https://www.usi.com/about-usi/locations "Find a USI office near you") [22](https://www.usi.com/about-usi "The Power of ONE") [25](https://www.usi.com/contact-us/ "Contact Us") [21](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.)

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. [42](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [24](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.) | | Claims assistance | Beazley directs customers to check their policy’s notification instructions first. Its website provides a notice-of-loss form and a US claims email route. The existence of these channels does not establish claims-handling quality or a promise that a loss is covered. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") (Evidence: Company-reported; scope: Public US notice channels; no claim submitted or outcomes independently assessed.; verified: 2026-09-16.) | USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. [25](https://www.usi.com/contact-us/ "Contact Us") [39](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") [40](https://www.usi.com/natural-disaster-planning "Natural Disaster Planning") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.; verified: 2026-09-16.) | ## Related Reading - [What Is Beazley?](https://spot.insure/insurance-providers/beazley) - [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi) ## Related Comparisons - [Alliance Risk vs Beazley](https://spot.insure/compare/alliance-risk-vs-beazley) - [Alliance Risk vs USI](https://spot.insure/compare/alliance-risk-vs-usi) - [Amelia Risk vs Beazley](https://spot.insure/compare/amelia-risk-vs-beazley) - [Amelia Risk vs USI](https://spot.insure/compare/amelia-risk-vs-usi) - [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) - [Armilla vs USI](https://spot.insure/compare/armilla-vs-usi) - [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley) - [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi) - [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc) - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb) - [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition) - [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) - [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie) - [Beazley vs Coverdash](https://spot.insure/compare/beazley-vs-coverdash) - [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell) - [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker) - [Beazley vs Founder Shield](https://spot.insure/compare/beazley-vs-foundershield) - [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher) - [Beazley vs Harper](https://spot.insure/compare/beazley-vs-harper) - [Beazley vs Heffernan](https://spot.insure/compare/beazley-vs-heffernan) - [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [Beazley vs Kinro](https://spot.insure/compare/beazley-vs-kinro) - [Beazley vs Layr](https://spot.insure/compare/beazley-vs-layr) - [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo) - [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront) - [Beazley vs ERGO NEXT Insurance](https://spot.insure/compare/beazley-vs-next-insurance) - [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance) - [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm) - [Beazley vs Resilience](https://spot.insure/compare/beazley-vs-resilience) - [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube) - [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics) - [Beazley vs StartupInsurance.ai](https://spot.insure/compare/beazley-vs-startupinsurance) - [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers) - [Beazley vs Vouch](https://spot.insure/compare/beazley-vs-vouch) - [Beazley vs WithCoverage](https://spot.insure/compare/beazley-vs-withcoverage) - [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 ### [Beazley Official Website](https://www.beazley.com/en-us/) 1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16. 2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16. 3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16. 4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16. 5. [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. 6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16. 7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16. 8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16. 9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16. 10. [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/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16. 11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16. 12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16. 13. [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. 14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16. 15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16. 16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16. 17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16. 18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16. 19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16. 20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16. ### [USI Insurance Services Official Website](https://www.usi.com) 21. [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. 22. [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. 23. [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. 24. [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. 25. [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. 26. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16. 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-vs-usi.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)