CNA vs USI Insurance Services: How Do They Compare for Medical Malpractice Insurance?

CNA describes primary and excess options for U.S. healthcare accounts and reports a claims team averaging 20 years of experience; USI describes its healthcare client base and recounts one 220-physician-group loss-history review with company-reported savings and a retention-funding change. ^4,⁸

CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. ^1,^2,³

Read the CNA profile

Read the CNA Medical Malpractice Insurance page

What Is USI Insurance Services?

USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. ^5,^6,⁷

Read the USI Insurance Services profile

Read the USI Insurance Services Medical Malpractice Insurance page

What Is Medical Malpractice Insurance?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. ^9,^10,^11,¹²

Read the full coverage guide

Key Differences in Medical Malpractice Insurance

Buyer Scope and Risk Structures

CNA lists healthcare facilities and outpatient classes, including clinics and home health. USI describes its Healthcare client base as spanning individual physician groups and clinics through regional health systems, and includes surgery centers, dialysis clinics, senior care, and staffing companies. USI also accesses captives and risk-retention or purchasing groups. Ask USI which risk structure and issuing carrier it proposes for your organization. ⁴ ⁸

Loss Analysis and Claims Resources

CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience. USI cites a case reviewing 26 years of loss history for a 220-physician group; the company says the analysis led to negotiated savings and a retention-funding change in that case. Treat that result as an example, not a forecast. Ask USI whether it can review your loss runs and compare its proposal with CNA’s layers. ⁴ ⁸

What to Confirm in Medical Malpractice Insurance Quotes

Ask USI which insurer or alternative structure, retention, and limits are proposed. ⁸
Ask CNA to show primary and excess limits and covered entities. ⁴

CNA and USI Insurance Services Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

CNA Review Score

9.0/ 10

Review Score

1 rated source

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.^[1]^[5]

Read CNA reviews

USI Insurance Services Review Score

6.4/ 10

Review Score

1 rated source

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.^[4]^[6]^[8]

Read USI Insurance Services reviews

CNA vs USI Insurance Services Medical Malpractice Insurance Compared

CNA vs USI Insurance Services: Medical Malpractice Insurance: documented features by provider

Criteria	CNA Healthcare Professional Liability	USI Healthcare Practice — Medical Professional (Malpractice) Liability
Role in This Line	Confirm in your quote.	USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. ⁸Company-reported. Healthcare practice page.
Issuing Insurer	Confirm in your quote.	The Healthcare practice page does not name a specific medical malpractice insurer; it says USI has access to both traditional and nontraditional risk-transfer structures, including captives, risk retention groups and risk purchasing groups, without naming a carrier for any of them. ⁸Not publicly disclosed. Page as read on 2026-09-23.
Who It’s For	CNA lists medical professional liability for healthcare facilities and providers, including outpatient classes such as ambulatory surgery, dialysis, clinics and home health. ⁴Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability for listed facilities/providers Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.	USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. ⁸Company-reported. Company description of client base, not a guaranteed underwriting appetite.
Coverage Features	CNA describes primary professional liability options and separate excess/umbrella towers for healthcare accounts. ⁴Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.	USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. ⁸Company-reported. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.
Risk Services	CNA describes consultative risk-control assessments and training for healthcare customers. ⁴Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare professional liability risk-control services Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Service description does not alter policy coverage. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.	USI cites a case study where its Healthcare team reviewed 26 years of a 220-physician group's malpractice loss history, found the client was overpriced with an outdated limit structure, and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. ⁸Company-reported. Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account.
How to Apply	Confirm in your quote.	USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. ⁸Company-reported. Contact instructions on the Healthcare practice page.
Claims Support	CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience, including medical-malpractice litigation experience. ⁴Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare professional-liability claims service Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company-reported staffing/experience; not an outcome or service-level guarantee. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.	Confirm in your quote.

Related Pages for CNA vs USI Insurance Services Medical Malpractice

Medical Malpractice Insurance Pages for CNA and USI Insurance Services

Other Coverage Lines Compared for CNA vs USI Insurance Services

Other Medical Malpractice Insurance Provider Comparisons

Sources for CNA vs USI Insurance Services

Sources About CNA

Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA. CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. Accessed 2026-09-28.

Sources About USI Insurance Services

The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
Healthcare. USI Insurance Services; USI's Healthcare Practice addresses risk exposures...for organizations associated with the healthcare industry...; serves hospitals, physicians, surgery centers, dialysis clinics, senior care/assisted living facilities...; offers specialty coverages...including: Medical Professional (Malpractice) Liability...; captives, risk retention groups and risk purchasing groups; ACO Shield...CHC Shield...; CASE STUDY: USI's Healthcare Review of Loss History Records. Accessed 2026-09-23.

Sources for the Medical Malpractice Insurance Guide

Medical Malpractice Insurance. National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
Medical Liability Insurance shopping guide. Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
Physicians Medical Professional Liability — Specimen Policy. Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16.
Physician Application. MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6. Accessed 2026-09-16.