Heffernan Insurance Brokers vs 
USI Insurance Services: How Do They Compare for Fiduciary Liability Insurance?
Heffernan Insurance Brokers serves business clients and family offices and describes a risk-management assessment; USI Insurance Services brokers fiduciary coverage for business-services clients and offers exposure reviews.
Heffernan serves family offices and general businesses with a Risk Management Assessment; USI targets named service industries and reviews existing fiduciary policies through ExecuSafe. 1,2,3,4
What Are the Key Differences Between Heffernan Insurance Brokers and USI Insurance Services Fiduciary Liability Insurance?
Family Offices Versus Business-Services Trades
Heffernan names family offices, trustees, private equity, foundations and financial institutions alongside general business clients. USI targets building, maintenance, repair, janitorial, staffing and printing companies through Business Services, with ExecuSafe available for management-liability reviews. 2 1 3 4
Assessment of Structures Versus ExecuSafe Gap Review
Heffernan’s family-office practice describes itemizing structures, assets and exposures, then closing coverage gaps with insurance and risk-management strategies. USI describes classification and exposure reviews, claim advocacy and risk control across lines, and ExecuSafe specifically reviews existing fiduciary liability policies for gaps inside a management-liability program. 2 3 4
Contact Paths
Heffernan family-office fiduciary goes through a Private Client Group specialist; general business uses Contact Us. USI splits inbound mail between a business-services inbox or local office and a Select Business address for ExecuSafe. 2 3 4
Heffernan’s business and family-office pages, like USI’s catalogue, do not list a carrier name or a fiduciary limit figure. 1 3
What Should You Confirm in Heffernan Insurance Brokers and USI Insurance Services Fiduciary Liability Insurance Quotes?
- Match your entity type to Heffernan’s family-office list or USI’s trade list before you assume either practice will place the line the same way. 2 3
- Ask USI whether you need a new placement or an ExecuSafe review of a policy you already have. 4
- Ask Heffernan what written recommendations the Risk Management Assessment produces for fiduciary. 2
- Get both issuing carriers and whether trustee liability is a separate placement from fiduciary. 2 3
Heffernan Insurance Brokers vs USI Insurance Services Fiduciary Liability Compared
Heffernan Insurance Brokers vs USI Insurance Services: Fiduciary Liability Insurance: documented features by provider
| Criteria | Heffernan Fiduciary Liability Insurance | USI Fiduciary Liability Brokerage |
|---|---|---|
| Who It’s For | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. 1,2Company-reported. Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically. | 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. 3,4Company-reported. Company description of client segments for each source. |
| How to Apply | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. 2Company-reported. Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 3,4Company-reported. Contact instructions on each page. |
| Coverage Features | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. 2Company-reported. Family Office page as read on 2026-09-23. | 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. 3,4Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Role in This Line | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. 1,2Company-reported. Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found. | 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. 3,4Company-reported. Business Services catalogue and ExecuSafe article. |
| Risk Services | Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. 2Company-reported. Family Office page as read on 2026-09-23; a company-described service, not a measured outcome. | 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. 3,4Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
