---
title: "Gallagher vs USI Insurance Services: D&O Insurance"
description: "Gallagher targets SPACs and companies going public with in-house claims attorneys; USI serves small and midsize businesses plus technology companies from seed through IPO."
canonical: "https://spot.insure/compare/gallagher-vs-usi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-usi"
provider-a: "gallagher"
provider-b: "usi"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Gallagher and USI Insurance Services for D&O 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 D&O Insurance questions about Gallagher versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs USI Insurance Services for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Gallagher or USI Insurance Services?
- What does Gallagher or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Gallagher and USI Insurance Services.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# Gallagher vs USI Insurance Services: How Do They Compare for D&O Insurance?

Gallagher's Executive and Financial Risk practice builds D&O programs, while USI Insurance Services brokers for small and midsize businesses through local advisors.

Gallagher’s D&O practice is built around SPACs and IPOs; USI brokers D&O through ExecuSafe for SMBs and a Technology practice that places seed-to-IPO accounts.

## Gallagher vs USI Insurance Services D&O Insurance Summary

Gallagher targets SPACs and companies going public with in-house claims attorneys; USI serves small and midsize businesses plus technology companies from seed through IPO. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What Are the Key Differences Between Gallagher and USI Insurance Services D&O Insurance?

### Which Book They Describe

Gallagher and USI both broker D&O rather than underwrite it. Gallagher markets the line to SPACs around IPO and de-SPAC and to companies going public through an IPO or direct listing. USI targets small- and medium-sized businesses for ExecuSafe, while its Technology practice places D&O for software, hardware and communications clients from seed stage through IPO. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

An SMB ExecuSafe inquiry is a different book from a Gallagher SPAC tower. A software company heading toward IPO could be quoted by USI’s Technology practice or by Gallagher’s listing practice. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

### How You Start

USI directs ExecuSafe inquiries to a named Select Business mailbox and routes Technology and Business Services inquiries to a named PC-inquiries mailbox or a local office. Gallagher’s Executive and Financial Risk practice is the intake for its D&O work. [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [4](https://www.usi.com/property-casualty/business-services/ "Business Services") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### How They Benchmark Limit

USI’s Technology practice cites a case study where benchmarking showed a software company was buying more D&O limit than peers, and says the resulting change saved more than $100,000 per year in D&O premium. Gallagher describes quantitative benchmarking of Side-A-only D&O use. Both are talking about how much limit to buy, measured two different ways. [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Gallagher and USI Insurance Services D&O Insurance Quotes?

- Ask USI whether your placement would be ExecuSafe or Technology practice, and which insurer would issue. [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- Ask Gallagher which carrier it would approach and how Side-A-only benchmarking would apply. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask USI how the $100,000 premium-savings example was measured. [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- If you are listing, ask Gallagher how pre- and post-IPO D&O would sit with related lines. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Gallagher vs USI Insurance Services D&O Insurance Compared

| Criteria | Gallagher Directors and Officers (D&O) Liability Insurance | USI ExecuSafe Directors & Officers Liability Program |
| --- | --- | --- |
| Who It’s For | Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page, SPAC and IPO subsections..) | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) |
| Coverage Features | Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement..) | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. [2](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: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) |
| Role in This Line | Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [2](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: ExecuSafe article's "How USI Can Help" section..) |
| Risk Services | For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page, SPAC subsection..) | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) |

## About Gallagher and USI Insurance Services and D&O Insurance

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Gallagher vs USI Insurance Services D&O Insurance

- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Gallagher D&O Insurance](https://spot.insure/insurance-providers/gallagher/directors-officers)
- [USI Insurance Services D&O Insurance](https://spot.insure/insurance-providers/usi/directors-officers)

## Sources for Gallagher vs USI Insurance Services D&O Insurance

### Sources About Gallagher

1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Directors and Officers (D&O) Liability insurance section; Special-Purpose Acquisition Companies (SPACs) section; IPO and direct listings section; Executive and Financial Risk Practice Summary. Accessed 2026-09-23.

### Sources About USI Insurance Services

2. [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; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
3. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
4. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... Accessed 2026-09-23.

Updated 2026-09-25. 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.

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