Chubb vs 
USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?
CPA firms get a program built for them through USI Insurance Services, underwritten by CNA, with engagement-letter templates and risk-management resources. Chubb Pro ERM targets non-licensed firms like consultants and event planners.
USI’s AICPA E&O program serves sole-practitioner and regional CPA firms; Chubb’s Pro ERM targets non-licensed professional firms. 1,3
What Are the Key Differences Between Chubb and USI Insurance Services Professional Liability (E&O) Insurance?
Coverage Structure
Chubb combines professional liability, media and cyber in one policy. 1 USI's AICPA program focuses on CPA E&O and offers members claims support and risk-management resources such as engagement-letter templates. 3 Compare these prevention and response services with the policy limits and exclusions.
Other USI Businesses
USI also brokers E&O through its Business Services practice for other business types, but the reviewed page does not name an insurer for that route. 5 Chubb underwrites Pro ERM itself. 1 Ask USI which insurer would issue your policy if you are not eligible for the AICPA program.
What Should You Confirm in Chubb and USI Insurance Services Professional Liability (E&O) Insurance Quotes?
- Confirm your firm qualifies for the CNA-underwritten AICPA program or will be placed through USI Business Services. 3 5
- Ask Chubb for Pro ERM's limit and retention. 1
- Ask USI for the program's limits and exclusions; the reviewed AICPA page does not list figures. 3
- Confirm your business meets Chubb's non-licensed eligibility. 1
Chubb vs USI Insurance Services Professional Liability (E&O) Compared
Chubb vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | AICPA Professional Liability Program (USI Affinity) |
|---|---|---|
| Who It’s For | Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. 1Company-reported. Pro ERM Target Clients list. | USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. 3Company-reported. Program page description. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. 1Company-reported. Cyber Insurance Coverage & Products page quoting section. | USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated Affinity_APL@usi.com address for the AICPA program specifically. 3Company-reported. Contact instructions on the AICPA program page. |
| Coverage Features | Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. 1Company-reported. Pro ERM Product Features list; subject to the policy as issued. | USI describes the policy as insuring a CPA and their practice against third-party claims that professional services caused financial harm, providing a defense and paying damages for covered claims arising from high-risk situations tied to new clients, changing business plans, or new laws and regulations. 3Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. |
| Role in This Line | Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. 1Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section. | For CPA firms, USI runs the AICPA Professional Liability Program through its USI Affinity division as the endorsed producer, rather than underwriting the policy itself. USI's general Business Services practice separately brokers errors and omissions/professional liability coverage for other business types. 3,5Company-reported. AICPA program page and Business Services practice page. |
| Risk Services | Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. 1Company-reported. Pro ERM Product Features list. | USI says firms enrolled in the program get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates, in addition to the coverage itself. 3Company-reported. Program page description. |
