Corgi vs USI Insurance Services Professional Liability (E&O) Insurance

USI names CNA as underwriter of its AICPA program for CPA firms; Corgi's broader Miscellaneous E&O product names no carrier.

What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. ^1,^2,^3,^4,⁵

Read the Corgi profile

What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. ^7,^8,⁹

Read the USI Insurance Services profile

What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^13,^14,^15,¹⁶

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

A Named Carrier for a Narrow Audience Versus No Carrier for a Broad One

USI's own page states that the AICPA Professional Liability Program, which it runs as the endorsed producer through its USI Affinity division, is "underwritten by CNA," naming the carrier for that specific program. ¹⁰ Corgi's Miscellaneous E&O listing names no carrier at all; its general disclosures describe affiliated or third-party partner carriers without identifying which applies to this line. ¹

CPA Firms Only Versus a Catch-All for Service Businesses

USI markets the AICPA program to sole practitioners and regional CPA firms specifically, and has been the endorsed AICPA Program provider since 1994. ¹⁰ Corgi markets Miscellaneous E&O to service-based businesses generally, positioned as what's left over once a business doesn't fit Corgi's own Tech E&O, Real Estate E&O or Lawyer E&O products. ⁶

A Named Risk-Management Service Versus None Described

USI says firms enrolled in the AICPA program get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates, in addition to the coverage itself. ¹⁰ Corgi's Miscellaneous E&O listing describes no comparable risk-management resources or claims-handling service. ⁶

What to Confirm in Professional Liability (E&O) Insurance Quotes

If you're a CPA firm, ask USI whether your quote falls under the AICPA program or its general Business Services brokerage, since USI runs both. ¹²
Ask Corgi to name the underwriting carrier for your Miscellaneous E&O quote; the reviewed pages don't identify one. ¹
Get published limit or premium figures from both; neither reviewed page shows them for these lines. ¹⁰ ⁶
Ask USI which risk-management resources actually apply to your firm size before assuming the full engagement-letter library is included. ¹⁰

Offering Details

Corgi vs USI Insurance Services Professional Liability (E&O) Insurance: documented features by provider

Criteria	Corgi Miscellaneous E&O	AICPA Professional Liability Program (USI Affinity)
Role in This Line	Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.	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. ^10,¹²Company-reported. AICPA program page and Business Services practice page.
Issuing Insurer	No page names the carrier that issues Miscellaneous E&O coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. ¹Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23.	USI's own page states that the AICPA Professional Liability Program is "underwritten by CNA," naming the carrier for that specific program. USI's general Business Services E&O placements do not name an insurer. ¹⁰Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.
Who It’s For	Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. ^2,⁶Company-reported. Catalog description; no industry, size, or state restrictions are published for this line.	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. ¹⁰Company-reported. Program page description.
Coverage Features	Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. ^2,⁶Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.	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. ¹⁰Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.
Limits and Retentions	No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^2,⁶Not publicly disclosed. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.	The AICPA program page does not publish limit, retention or premium figures; it says coverage plans allow a firm to tailor coverage to its risk profile. ¹⁰Not publicly disclosed. Page as read on 2026-09-23.
Risk Services	The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O policyholders. ^2,⁶Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.	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. ¹⁰Company-reported. Program page description.
How to Apply	Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling.	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. ¹⁰Company-reported. Contact instructions on the AICPA program page.

Full Comparison

More Corgi vs USI Insurance Services Comparisons

Other Professional Liability (E&O) Insurance Comparisons

Sources

Corgi

Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Miscellaneous E&O" card, alongside Real Estate E&O and Lawyer E&O as separate professional-liability products. Accessed 2026-09-23.
Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Miscellaneous E&O — Broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services.". Accessed 2026-09-23.

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.
Accountants Professional Liability — USI Affinity. USI Insurance Services; Quality Professional Liability Insurance Exclusively for CPA Firms; "The AICPA Professional Liability Program, underwritten by CNA, has been offering coverage to CPAs since 1967 and has been the endorsed provider of the AICPA Program since 1994."; supportive claims handling and exclusive access to extensive risk management resources, including engagement letter templates; Email Affinity_APL@usi.com. Accessed 2026-09-23.
USI Specialty Program Solutions. USI Insurance Services; USI Affinity delivers high-quality insurance and financial solutions to members of affinity organizations and targeted industry segments...for professional associations, law firms, alumni and collegiate organizations, travel groups, and insurance administrators. Accessed 2026-09-23.
Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Errors & Omissions/Professional Liability... Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.