CFC vs USI Insurance Services: How Do They Compare for D&O Insurance?

USI Insurance Services brokers D&O through ExecuSafe and a technology practice from seed to IPO; CFC includes D&O in a US management-liability package and separately offers Side A DIC excess cover.

CFC sells D&O only inside its management-liability package, or as Side A excess over another program, and declines California-based and US public companies. USI is a broker that shops D&O for small and mid-size businesses and adds its own ExecuSafe endorsements to the policy it places. ^1,^2,⁵

What Are the Key Differences Between CFC and USI Insurance Services D&O Insurance?

A Fixed Package vs a Broker That Shops and Endorses

CFC doesn't sell standalone D&O, and its brochure lists California-domiciled businesses and US publicly traded companies among declined risks; if either applies to you, start elsewhere. ¹ ² USI reviews your management-liability gaps, shops the market, and applies ExecuSafe endorsements to the policy it places. It also places D&O for software, hardware and communications companies through its Technology practice. ⁵ ⁶ Choose USI if you are a small or mid-size business, especially in technology, and want several insurers compared; choose CFC if you want D&O bundled with its other management-liability cover or need Side A excess over a tower you already have.

No Published Limits From Either

CFC lists an additional limit for insured persons but publishes no dollar amount, retention or overall D&O limit. ² USI cites a 2016 Chubb survey on private-company D&O claim costs but publishes no ExecuSafe limits or retentions. ⁵ You'll compare limits only on actual quotes. To start with USI, email its listed ExecuSafe contact; CFC's reviewed materials show a claim-notification path but no public quote form. ⁵ ⁴

What Should You Confirm in CFC and USI Insurance Services D&O Insurance Quotes?

Ask whether a CFC quote is the full package or Side A DIC over another tower. ¹
Ask USI which insurer issues the ExecuSafe placement and which endorsements attach. ⁵
Ask CFC which entity issues your US D&O; it names Syndicate 1988 and Underwriting Limited without tying either to a specific policy. ³
Ask both for the limit, retention and additional insured-persons amount in writing. ² ⁵

CFC vs USI Insurance Services D&O Insurance Compared

CFC vs USI Insurance Services: D&O Insurance: documented features by provider

Criteria	CFC Directors & Officers Liability	USI ExecuSafe Directors & Officers Liability Program
Who It’s For	CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.	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. ^5,⁶Company-reported. ExecuSafe article eligibility framing and Technology practice client description.
Coverage Features	CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms. CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages. CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.	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. ⁵Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.
Role in This Line	CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.	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. ⁵Company-reported. ExecuSafe article's "How USI Can Help" section.

Criteria

CFC Directors & Officers Liability

USI ExecuSafe Directors & Officers Liability Program

Who It’s For

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

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. ^5,⁶Company-reported. ExecuSafe article eligibility framing and Technology practice client description.

Coverage Features

CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms.

CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages.

CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.

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. ⁵Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.

Role in This Line

CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.

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. ⁵Company-reported. ExecuSafe article's "How USI Can Help" section.