---
title: "Gallagher vs USI Insurance Services Cyber Insurance"
description: "USI publishes specific PrivaSafe sublimits; Gallagher's small-business and group cyber pages publish no limit figures at all."
canonical: "https://spot.insure/compare/gallagher-vs-usi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-usi/cyber)

# 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.

## Research Scope and Use

Use this comparison to evaluate Gallagher and USI Insurance Services for Cyber 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

USI's PrivaSafe program publishes specific sublimit figures, including up to $2 million in notification costs and $250,000 in defense costs outside the limit, while neither of Gallagher's cyber pages discloses any limit or retention amount. [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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](https://www.usi.com/about-usi "The Power of ONE") [9](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [10](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [13](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [9](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")

### Who Each Page Targets

USI markets PrivaSafe to middle-market firms, saying they have limited in-house access to security expertise. [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")

## 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Ask Gallagher the same question for either its small-business or group-level cyber program. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")
- 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

## Offering Details

| 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [9](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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. [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions..)<br><br>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. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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). [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: 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). [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [12](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: 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. [11](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description..) |

## Full Comparison

- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Gallagher vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-usi/commercial-property)
- [Gallagher vs USI Insurance Services Crime Insurance](https://spot.insure/compare/gallagher-vs-usi/crime)
- [Gallagher vs USI Insurance Services D&O Insurance](https://spot.insure/compare/gallagher-vs-usi/directors-officers)
- [Gallagher vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/gallagher-vs-usi/employee-health-benefits)
- [Gallagher vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-usi/employment-practices)
- [Gallagher vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-usi/fiduciary)
- [Gallagher vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-usi/professional-errors-omissions)
- [Gallagher vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-usi/representations-warranties)
- [Gallagher vs USI Insurance Services Surety Bonds](https://spot.insure/compare/gallagher-vs-usi/surety-bonds)
- [Gallagher vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-usi/workers-compensation)
- [Alliance Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/cyber)
- [Alliance Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-usi/cyber)
- [Amelia Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/cyber)
- [Amelia Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-usi/cyber)
- [At-Bay vs Gallagher Cyber Insurance](https://spot.insure/compare/at-bay-vs-gallagher/cyber)
- [At-Bay vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/at-bay-vs-usi/cyber)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/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.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Cyber Liability Insurance: What is it? Who Needs It?](https://www.gallaghersmallbusiness.com/insurance-products/cyber/). 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.
7. [Cyber Liability Insurance](https://www.ajg.com/insurance/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

8. [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.
9. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe.... Accessed 2026-09-23.
10. [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.
11. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/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.
12. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). 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

13. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/gallagher-vs-usi/cyber.md)
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