Coalition vs 
USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?
USI Insurance Services markets its AICPA program, underwritten by CNA, to sole practitioners and regional CPA firms. Coalition markets add-on professional liability to businesses that perform professional services, sold with an Active Cyber Insurance quote.
USI’s AICPA E&O program serves sole-practitioner and regional CPA firms; Coalition sells MPL only with Active Cyber. 1,3
What Are the Key Differences Between Coalition and USI Insurance Services Professional Liability (E&O) Insurance?
Claims and Risk Resources
USI says AICPA members receive claims support and risk-management resources, including engagement-letter templates. 3 Coalition says its in-house claims team handles MPL and cyber claims together. 1 Compare which service fits your needs after a claim or before client work.
Other USI Businesses
USI brokers E&O through Business Services for businesses outside the CPA-specific AICPA program, but the reviewed page does not name an insurer for that route. 5 Coalition's reviewed disclaimer also does not name the MPL insurer. 2
What Should You Confirm in Coalition and USI Insurance Services Professional Liability (E&O) Insurance Quotes?
- Confirm whether your CPA firm qualifies for USI's CNA-underwritten program or will go through Business Services. 3 5
- Ask Coalition whether Active Cyber is required and who issues MPL. 1 2
- Ask USI for AICPA limits, exclusions and premium; its reviewed page does not list figures. 3
- Compare the actual policy wording against your client contracts. 3 1
Coalition vs USI Insurance Services Professional Liability (E&O) Compared
Coalition vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Coalition Miscellaneous Professional Liability (MPL) | AICPA Professional Liability Program (USI Affinity) |
|---|---|---|
| Who It’s For | Coalition markets MPL to any business that performs professional services, naming examples such as consultants, marketing and PR firms, staffing firms, printers, interior decorators, photographers and videographers, and property managers. 1Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. | 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 | Coalition sells MPL only as an addition to an Active Cyber Insurance quote, saying it takes just a few extra questions to add, rather than as a stand-alone policy. 1Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. | 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 | Coalition says MPL covers defense costs, settlements, judgments, and other expenses from claims of errors and omissions in professional services, including negligence, failure to provide service, and misstatements about the service performed, on a duty-to-defend basis even when the business is not ultimately at fault. 1Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms. | 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 | Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. 1Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. | 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. |
