--- title: "Counterpart vs USI Insurance Services: Fiduciary Liability Insurance" description: "Counterpart provides fiduciary limit examples; USI describes individual placement and an ExecuSafe review for gaps in existing policies." canonical: "https://spot.insure/compare/counterpart-vs-usi/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-usi" provider-a: "counterpart" provider-b: "usi" coverage-line: "fiduciary" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-usi/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Counterpart and USI Insurance Services for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Counterpart versus USI Insurance Services. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Counterpart vs USI Insurance Services for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Counterpart or USI Insurance Services? - What does Counterpart or USI Insurance Services publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from Counterpart or USI Insurance Services? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: Counterpart and USI Insurance Services. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Counterpart vs USI Insurance Services](https://spot.insure/compare/counterpart-vs-usi) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [Counterpart vs USI Insurance Services D&O Insurance](https://spot.insure/compare/counterpart-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Counterpart vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) # Counterpart vs USI Insurance Services: How Do They Compare for Fiduciary Liability Insurance? Counterpart provides fiduciary limit examples; USI describes individual placement and an ExecuSafe review for gaps in existing policies. ## Research Scope and Use Use this comparison to evaluate Counterpart and USI Insurance Services for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Counterpart addresses ERISA plan exposures with example limits; USI offers fiduciary placement and a management-liability review that looks for policy gaps. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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") ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## 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](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [10](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### What the Published Scope Emphasizes Counterpart discusses employer plans and ERISA administration and provides illustrative limit examples. USI places fiduciary coverage individually or reviews it within its ExecuSafe management-liability process, which specifically looks for gaps in an existing fiduciary policy. That makes USI’s documented review useful when you already have coverage to assess; Counterpart’s public examples can frame a new-limit discussion. Neither route removes the need to inspect the proposed terms. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [9](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") ### Placement, Limits, and Service Details USI’s Business Services practice also describes exposure reviews, risk control and claim advocacy across its lines, including fiduciary placements. Counterpart’s record focuses on wholesale distribution. If ongoing risk and claims support matter, ask USI what is included for fiduciary clients and compare it with the servicing available through the Counterpart wholesale broker. USI does not name its placement insurer in the reviewed pages. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [9](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") ## What to Confirm in Fiduciary Liability Insurance Quotes - What gaps does USI’s ExecuSafe review identify, and which changes are available in a new placement? [9](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") - Which insurer, limit and retention would the Counterpart wholesale placement use? [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") ## Offering Details | Criteria | Counterpart Fiduciary Liability | USI Fiduciary Liability Brokerage | | --- | --- | --- | | Role in This Line | Counterpart describes a producer and surplus-lines broker distributing insurance through wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This describes Counterpart’s channel and does not identify the issuing insurer for a fiduciary placement..) | USI brokers fiduciary liability coverage, which protects a company and its plan fiduciaries against claims of mismanaging an employee benefit plan; USI places it individually or reviews it as part of a management liability program under its ExecuSafe endorsement package. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Business Services catalogue and ExecuSafe article..) | | Issuing Insurer | Confirm in your quote. | Neither page names the insurer USI uses for fiduciary liability placements. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Who It’s For | Counterpart describes employer and benefit-plan contexts on its dedicated Fiduciary Liability page. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: This is product marketing, not proof a given plan, sponsor or fiduciary is eligible..) | USI's Business Services practice targets building and maintenance, repair service, janitorial, staffing and printing companies for its broader coverage catalogue, which includes fiduciary liability; the ExecuSafe article separately targets small- and medium-sized businesses generally for management liability review. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Company description of client segments for each source..) | | Coverage Features | Counterpart’s fiduciary page addresses benefit-plan administration and ERISA-related exposures. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The retained product description does not establish the full insured-party definition, ERISA terms or exclusions..) | USI lists fiduciary liability among the coverages it places for business-services clients, and separately says its ExecuSafe review looks for gaps in a client's existing fiduciary liability coverage as part of a management liability review. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) | | Limits and Retentions | The page includes illustrative limit examples for fiduciary coverage. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Figures are examples and are not a quote or guaranteed available limit..) | Neither page publishes fiduciary liability limit or retention figures. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Risk Services | Confirm in your quote. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines, including fiduciary liability, and its ExecuSafe process specifically reviews existing fiduciary liability policies for coverage gaps. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Combines the general Business Services service list with the ExecuSafe-specific review step..) | | How to Apply | Confirm in your quote. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Contact instructions on each page..) | ## Full Comparison - [Counterpart vs USI Insurance Services](https://spot.insure/compare/counterpart-vs-usi): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [Counterpart vs USI Insurance Services D&O Insurance](https://spot.insure/compare/counterpart-vs-usi/directors-officers) - [Counterpart vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-usi/employment-practices) - [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) - [AIG vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-usi/fiduciary) - [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) - [Alliance Risk vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/fiduciary) - [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) - [Aon vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-usi/fiduciary) ## Sources ### Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 3. [Fiduciary Liability Insurance](https://yourcounterpart.com/products/fid). Counterpart, Inc.; Retained provider source: product page covers plan/employer eligibility, ERISA and plan administration, with examples and illustrative limits; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28. 4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### USI Insurance Services 5. [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. 6. [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. 7. [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. 8. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Fiduciary Liability.... Accessed 2026-09-23. 9. [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; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 10. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 11. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 12. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Counterpart Reviews Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## USI Insurance Services Reviews Review Score: 6.4 / 10 from 1 rated source, equally weighted. 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. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-usi/fiduciary.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)