Gallagher vs 
USI Insurance Services Cyber Insurance
USI publishes specific PrivaSafe sublimits; Gallagher's small-business and group cyber pages publish no limit figures at all.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
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. 8,9,10
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 13
Key Differences in Cyber Insurance
Two Broker Practices, Different Products
Both Gallagher and USI broker cyber coverage rather than underwrite it. Gallagher runs two separate cyber products by account size, a small-business page and a group-level page, neither naming a carrier. 6 USI instead layers its own manuscripted PrivaSafe form onto whatever carrier it places, describing PrivaSafe as a custom-drafted coverage form it negotiates with the market:
USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. 11,9Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages.
Published Sublimits
USI's PrivaSafe page publishes specific structure: coverage that can prevent uninsured or underinsured losses up to $10 million, up to $2 million in notification costs on top of the aggregate limit, and $250,000 in defense costs outside the limit. 11 Gallagher's small-business and group-level cyber pages publish no comparable figures; the $60 million example on its small-business page is an illustrative claim scenario, not a stated policy limit. 6
Who Each Page Targets
USI markets PrivaSafe to middle-market firms, saying they have limited in-house access to security expertise. 11 Gallagher's small-business page instead targets businesses handling customer data or card and electronic-funds-transfer payments, naming retail, healthcare, financial services and home-repair as frequent targets, while its separate group-level page serves larger accounts with its own risk-consulting services. 6 7
What to Confirm in Cyber Insurance Quotes
- Ask USI which carrier would actually issue a PrivaSafe policy for your business, since the program page does not name one. 11
- Ask Gallagher the same question for either its small-business or group-level cyber program. 6
- Confirm whether USI's published $10 million, $2 million and $250,000 PrivaSafe figures apply to your account or are illustrative of the program generally. 11
- USI's page says it will ask for your current cyber policies, a vulnerability assessment and audited financials before quoting; ask Gallagher what its own submission requirements are. 11
Offering Details
Gallagher vs USI Insurance Services Cyber Insurance: documented features by provider
| Criteria | Gallagher Cyber Liability Insurance | USI PrivaSafe Cyber and Privacy Liability Program |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. 6,7Company-reported. Small-business cyber product page and the group-level cyber liability page. | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. 11,9Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages. |
| Issuing Insurer | Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. 6,7Not publicly disclosed. Checked both pages on 2026-09-23. | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. 11Not publicly disclosed. PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found. |
| Who It’s For | Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. 6Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting. | USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. 11Company-reported. Program page marketing description, not an underwriting appetite statement. |
| Coverage Features | Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. 6Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. 6Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business. | USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). 11Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form. |
| Limits and Retentions | Neither page publishes specific cyber coverage limits, retentions or premium ranges; the small-business page's $60 million claim example is an illustrative scenario, not a stated policy limit. 6,7Not publicly disclosed. Checked both pages on 2026-09-23. | USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). 11Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations. |
| Risk Services | For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. 7Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product. | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. 11,12Company-reported. Program page and property-casualty practice team description. |
| How to Apply | Not described in the reviewed sources. | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. 11Company-reported. PrivaSafe program page intake description. |
Full Comparison
More Gallagher vs USI Insurance Services Comparisons
Other Cyber Insurance Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Cyber Liability Insurance: What is it? Who Needs It? Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
- Cyber Liability Insurance. Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. 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; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe... Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- USI Exclusive PrivaSafe. USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy... Accessed 2026-09-23.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
