HUB International vs USI Insurance Services: How Do They Compare for D&O Insurance?

HUB International brokers D&O across private, public, and nonprofit organizations with specialist claims support; USI Insurance Services focuses on small and midsize businesses through local advisors.

USI reviews your current policy for gaps, adds its ExecuSafe endorsement package for small and mid-sized businesses, and places tech-company D&O from seed through IPO. HUB's ProEx practice brokers D&O for private, nonprofit and public companies and offers Side A-only excess cover. ^1,^3,⁴

What Are the Key Differences Between HUB International and USI Insurance Services D&O Insurance?

Small-Business and Tech Paths vs One Broker Intake

USI routes small-business D&O through a published Select Business email and technology companies through its Technology practice or a local office. ³ ⁴ HUB has one front door: you connect with a broker, whatever your company type. ¹ Choose USI if you're a small business wanting a gap review or a software, hardware or communications company heading toward IPO; choose HUB if you're a nonprofit or public company, or want Side A-only excess on top of your main policy. ⁴ ²

Benchmarked Savings vs Excess Cover for Directors

USI's Technology practice cites a benchmarking case it says saved a software company over $100,000 a year in D&O premium. ⁴ HUB points to ProEx analytics without a dollar outcome, but lists Side A-only excess, which protects individual directors above the main policy when the company can't indemnify them. ²

What Should You Confirm in HUB International and USI Insurance Services D&O Insurance Quotes?

Ask USI whether your quote includes ExecuSafe endorsements or an insurer's standard form without them. ³
Ask HUB whether Side A-only excess is part of your tower. ²
Tech companies: ask USI to put your file with the Technology practice. ⁴
Neither names insurers; get the issuing insurer, limit, retention and claims contact on both quotes. ¹ ³

HUB International vs USI Insurance Services D&O Insurance Compared

HUB International vs USI Insurance Services: D&O Insurance: documented features by provider

Criteria	HUB International Directors and Officers Insurance Brokerage	USI ExecuSafe Directors & Officers Liability Program
Who It’s For	HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.	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. ^3,⁴Company-reported. ExecuSafe article eligibility framing and Technology practice client description.
How to Apply	HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ¹Company-reported. D&O product page call to action.	USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. ^3,^4,⁵Company-reported. Contact instructions on the ExecuSafe article and the Technology and Business Services pages.
Coverage Features	HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.	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. ³Company-reported. 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	HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^1,²Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.	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. ³Company-reported. ExecuSafe article's "How USI Can Help" section.
Risk Services	HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ²Company-reported. ProEx page team and services description; not specific to a single D&O engagement.	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. ⁴Company-reported. Single case study on the Technology practice page; company-reported outcome, not independently verified.