---
title: "Coalition vs USI Insurance Services"
description: "Compare Coalition’s combined technology policy with USI’s PrivaSafe brokerage program and risk consulting."
canonical: "https://spot.insure/compare/coalition-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Coalition", "USI Insurance Services"]
---

[Human-readable page](https://spot.insure/compare/coalition-vs-usi)

# Coalition vs USI Insurance Services

Compare Coalition’s combined technology policy with USI’s PrivaSafe brokerage program and risk consulting.

## Research Scope and Use

Use this comparison to evaluate Coalition 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

Coalition offers combined Tech E&O and cyber with Control security services. USI Insurance Services arranges technology coverage and markets the PrivaSafe cyber program alongside broader consulting. A named program and a risk-control platform do not identify the actual insurer or policy terms. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [8](https://www.coalitioninc.com/control "Coalition Control") [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")



## Introduction

A proposal can lead with a program name and an advisory method before showing the insurance form. USI markets PrivaSafe for cyber and privacy risk and lists technology E&O within its technology practice; Coalition markets a combined Tech E&O and cyber product. A finance lead comparing them should first locate the actual policy, insurer and technology-services scope underneath each presentation. [33](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")

## Documented Provider Strengths

### Coalition

- Combines Tech E&O and cyber coverage for technology businesses. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)
- Control provides policyholders with monitoring, alerts and remediation guidance. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [20](https://www.usi.com/about-usi "The Power of ONE") [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [39](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. [26](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 | Coalition | USI Insurance Services |
| --- | --- | --- |
| Cargo and transit | Not listed | Listed [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| Commercial auto | Not listed | Listed [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [29](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Commercial property | Not listed | Listed [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Crime | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [29](https://www.usi.com/property-casualty/business-services/ "Business Services") [35](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 [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Listed [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Directors and officers | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty/business-services/ "Business Services") [35](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 [32](https://www.usi.com/employee-benefits "Employee Benefits") [30](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Employment practices liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [29](https://www.usi.com/property-casualty/business-services/ "Business Services") [35](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") |
| Fiduciary liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [29](https://www.usi.com/property-casualty/business-services/ "Business Services") [35](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 | Not listed | Listed [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [29](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Kidnap and ransom | Not listed | Listed [29](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Management liability | Not listed | Listed [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [35](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 [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed |
| Medical malpractice | Not listed | Listed [31](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Product liability | Not listed | Listed [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Professional liability / E&O | Listed [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed [29](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Representations and warranties | Not listed | Listed [30](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Surety bonds | Not listed | Listed [31](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Technology errors and omissions | Listed [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | Listed [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [34](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 [14](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") | Listed [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [29](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Workers’ compensation | Not listed | Listed [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [29](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 Coalition and USI Insurance Services

### PrivaSafe Does Not Make USI the Insurer

USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [33](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/privacy/ "Privacy") [37](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; verified: 2026-09-16.)

USI is a brokerage and consulting firm. Its branded program therefore needs an issuing-company answer just as Coalition’s producer-led placement does. Ask whether the USI proposal combines cyber and Tech E&O, uses separate policies or requires another placement. The PrivaSafe page alone does not establish equivalence with Coalition’s combined form, and a historical claims-contact directory cannot supply a current insurer panel. [26](https://www.usi.com/commissions-fees/ "Commissions and Fees") [33](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")

### Risk Planning and Security Monitoring Have Different Deliverables

USI ONE describes a consultative process built around analytics, specialists and planning. PATH describes loss drivers and potential improvements across coverage lines. Coalition Control describes security findings, alerts and remediation capabilities. Ask for sample deliverables and the staff time each service requires; a projected return from risk consulting is not a demonstrated premium reduction, and access to a platform is not proof that the startup will act on its findings. [21](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [36](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [8](https://www.coalitioninc.com/control "Coalition Control")

### The Announced Acquisition Is a Continuity Question

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. [39](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.)

The announcement warrants a question about the proposed account team and any anticipated service transition. It does not justify calling the two firms integrated or assuming changed policy terms. Coalition’s published renewal process, meanwhile, describes different paths depending on the account. In either proposal, obtain the actual renewal responsibilities and dates rather than treating a corporate announcement or automated process as a renewal guarantee. [39](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") [15](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition "How do Cyber renewals work at Coalition?")

## What to Confirm in Quotes

Request the PrivaSafe insurer, full wording and relationship to any Tech E&O placement, then compare those with the proposed Coalition combined policy. Identify which USI ONE, PATH or Control services are included and separately charged. Ask USI for expected compensation on the proposed and alternative quotes, and confirm the California contracting route and account team. Recheck acquisition status before an engagement is signed; the draft’s evidence establishes an announced transaction only. [26](https://www.usi.com/commissions-fees/ "Commissions and Fees") [40](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") [39](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") [11](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [8](https://www.coalitioninc.com/control "Coalition Control")



## Service Comparison

Coalition vs USI Insurance Services: documented services and availability.

| Criteria | Coalition | USI Insurance Services |
| --- | --- | --- |
| Business role | Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [20](https://www.usi.com/about-usi "The Power of ONE") [19](https://www.usi.com/ "Insurance Brokerage and Consulting") [26](https://www.usi.com/commissions-fees/ "Commissions and Fees") [39](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.)<br><br>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. [26](https://www.usi.com/commissions-fees/ "Commissions and Fees") [25](https://www.usi.com/privacy/ "Privacy") [40](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.)<br><br>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. [39](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.) |
| Access to insurers | Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [33](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/privacy/ "Privacy") [37](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; verified: 2026-09-16.) |
| Application process | Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [23](https://www.usi.com/contact-us/ "Contact Us") [35](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.) |
| Servicing and renewals | Coalition describes Control policyholder features at no additional cost, including attack-surface monitoring, vendor-risk monitoring, vulnerability alerts and guidance. Login Security requires connecting a Microsoft or Google environment. Additional security products are promoted separately. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition says cyber renewals begin 90 days before expiration and follow Automatic, Express or Standard paths based on the account. Express renewals require responses; Standard renewals require a bind order and updated signed application, with additional underwriting conditions for some accounts. Automatic renewal does not guarantee an unchanged premium. [15](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition "How do Cyber renewals work at Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. [21](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [28](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.; verified: 2026-09-16.)<br><br>USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. [36](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [19](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Risk-control tool as marketed. Access for a given client is not specified on the public pages.; verified: 2026-09-16.) |
| Fees and compensation | Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Not publicly disclosed; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [26](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.) |

## Related Reading

- [What Is Coalition Insurance?](https://spot.insure/insurance-providers/coalition)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

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- [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition)
- [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi)
- [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition)
- [Chubb vs USI](https://spot.insure/compare/chubb-vs-usi)
- [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi)
- [Coalition vs Coterie Insurance](https://spot.insure/compare/coalition-vs-coterie)
- [Coalition vs Coverdash](https://spot.insure/compare/coalition-vs-coverdash)
- [Coalition vs Cowbell](https://spot.insure/compare/coalition-vs-cowbell)
- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker)
- [Coalition vs Founder Shield](https://spot.insure/compare/coalition-vs-foundershield)
- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher)
- [Coalition vs Harper](https://spot.insure/compare/coalition-vs-harper)
- [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan)
- [Coalition vs Hiscox](https://spot.insure/compare/coalition-vs-hiscox)
- [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international)
- [Coalition vs Kinro](https://spot.insure/compare/coalition-vs-kinro)
- [Coalition vs Layr](https://spot.insure/compare/coalition-vs-layr)
- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton)
- [Coalition vs Marsh](https://spot.insure/compare/coalition-vs-marsh)
- [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo)
- [Coalition vs Newfront](https://spot.insure/compare/coalition-vs-newfront)
- [Coalition vs ERGO NEXT Insurance](https://spot.insure/compare/coalition-vs-next-insurance)
- [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance)
- [Coalition vs Relm Insurance](https://spot.insure/compare/coalition-vs-relm)
- [Coalition vs Resilience](https://spot.insure/compare/coalition-vs-resilience)
- [Coalition vs RiskCube](https://spot.insure/compare/coalition-vs-riskcube)
- [Coalition vs Risklytics Insurance](https://spot.insure/compare/coalition-vs-risklytics)
- [Coalition vs StartupInsurance.ai](https://spot.insure/compare/coalition-vs-startupinsurance)
- [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance)
- [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford)
- [Coalition vs Travelers Insurance](https://spot.insure/compare/coalition-vs-travelers)
- [Coalition vs Vouch](https://spot.insure/compare/coalition-vs-vouch)
- [Coalition vs WithCoverage](https://spot.insure/compare/coalition-vs-withcoverage)
- [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

### [Coalition Official Website](https://www.coalitioninc.com/)

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage?; Coalition Advantage. Accessed 2026-09-16.
2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering; FAQ: What type of businesses do you protect?; What resources do you have for policyholders?. Accessed 2026-09-16.
6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; Broker Benefits. Accessed 2026-09-16.
7. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Coverage Advantage: breach response, cyber extortion, business interruption. Accessed 2026-09-16.
8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16.
11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?; submissions; claims. Accessed 2026-09-16.
15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition). Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money). Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
18. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action; Deepfake Response; final disclaimers. Accessed 2026-09-16.

### [USI Insurance Services Official Website](https://www.usi.com)

19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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/coalition-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)