Foxquilt vs 
USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?
What Is Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 1,2
Read the Foxquilt Professional Liability (E&O) 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. 4,5,6
Read the USI Insurance Services profile
Read the USI Insurance Services Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
Scope and covered professional work
USI Insurance Services runs the AICPA Professional Liability Program for CPA firms as endorsed producer, identifies CNA as its underwriter, and includes risk-management tools such as engagement-letter templates. Foxquilt’s professional E&O page names technology and creative businesses. CPA firms should compare USI Insurance Services’ dedicated program against Foxquilt only after confirming whether Foxquilt accepts accounting work. 7 3
Who can use the placement
USI identifies CNA as underwriter for the AICPA program, and its page describes supportive claims handling and engagement-letter resources. Foxquilt describes claims-made E&O for financial loss from services or advice. A CPA should compare the proposal’s insurer, form and treatment of accounting services. 7 3
USI’s AICPA program is specifically for CPA firms, while its Business Services practice separately lists E&O/professional liability solutions. Foxquilt names technology and creative classes rather than accounting in its record. A CPA should ask Foxquilt to confirm its class appetite before comparing costs with the dedicated USI Insurance Services program. 7 3
What to Confirm in Professional Liability (E&O) Insurance Quotes
Foxquilt 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.
Foxquilt Review Score
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsUSI Insurance Services Review Score
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 reviewsFoxquilt vs USI Insurance Services Professional Liability (E&O) Compared
Foxquilt vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Foxquilt Professional Liability / E&O | AICPA Professional Liability Program (USI Affinity) |
|---|---|---|
| Role in This Line | Foxquilt markets a Professional Liability / Errors & Omissions product. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7,9Company-reported. AICPA program page and Business Services practice page. |
| Issuing Insurer | Confirm in your quote. | 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. 7Company-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 | The page names technology and creative classes among its target groups; it does not provide a complete eligibility list. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. Program page description. |
| Coverage Features | The page describes claims alleging financial loss caused by professional services or advice and labels the product claims-made. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | 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. 7Not publicly disclosed. Page as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | 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. 7Company-reported. Program page description. |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. Contact instructions on the AICPA program page. |
Related Pages for Foxquilt vs USI Insurance Services
Professional Liability (E&O) Pages for Foxquilt and USI Insurance Services
Other Coverage Lines Compared for Foxquilt vs USI Insurance Services
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for Foxquilt vs USI Insurance Services
Sources About Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
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.
- 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.
Sources for the 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.
