HUB International vs USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?

CPA firms fit USI Insurance Services, which runs the AICPA program as endorsed producer, underwritten by CNA. HUB International, another broker, lists buyers from accounting to contracting and describes prior-acts and tail options.

USI's AICPA Professional Liability Program is underwritten by CNA specifically for CPA firms, while HUB brokers E&O across accounting, legal, medical, real estate and engineering industries without naming an insurer. ^3,^1,²

What Are the Key Differences Between HUB International and USI Insurance Services Professional Liability (E&O) Insurance?

Who Underwrites the Policy

USI names an insurer for one specific program: the AICPA Professional Liability Program it runs through USI Affinity.

USI's own page states that the AICPA Professional Liability Program is "underwritten by CNA," naming the carrier for that specific program. USI's general Business Services E&O placements do not name an insurer. ³Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.

That naming applies only to the CPA-focused AICPA program; USI's general Business Services E&O placements for other business types don't disclose a carrier. HUB's professional liability and E&O pages likewise don't name an insurer for any of the industries its brokerage serves, on either product page it publishes. ¹ ²

Program Scope Versus General Brokerage

USI's AICPA program is built around one profession: it has offered CPA firms coverage since 1967 and has been the endorsed AICPA Program provider since 1994, pairing the policy with claims handling and risk-management resources such as engagement-letter templates. ³ HUB instead brokers professional liability/E&O broadly, naming accounting, law, medicine, financial advisory, real estate, architecture and engineering, consulting and contracting among the industries it serves, and describes policy-structure features like prior-acts and tail coverage that can extend to independent contractors and temporary staff. ¹ ²

How You Reach Each Broker

USI gives CPA firms a dedicated email channel for the AICPA program, distinct from its general Business Services E&O work. ³ HUB's pages point prospects toward connecting with a broker generally, describing coverage as customized to business size, industry, location, risk base and desired limits rather than offering a program-specific contact or an online quote. ¹

What Should You Confirm in HUB International and USI Insurance Services Professional Liability (E&O) Insurance Quotes?

If you're a CPA firm, confirm whether USI would place you in the CNA-underwritten AICPA program or a different market. ³
Ask HUB which insurer it intends to place your policy with, since none is named on its product pages. ¹
Ask USI whether the AICPA program's claims-handling and risk-management resources, like engagement-letter templates, apply outside that specific program. ³
Ask HUB for the prior-acts retroactive date and tail-coverage terms being offered, and whether contractors or temporary staff are included. ²
Get limits, retentions and premium in writing from both, since neither publishes them. ³ ¹

HUB International vs USI Insurance Services Professional Liability (E&O) Compared

HUB International vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider

Criteria	HUB International Professional Liability (E&O) Insurance Brokerage	AICPA Professional Liability Program (USI Affinity)
Who It’s For	HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, and contracting businesses as typical E&O buyers, and separately lists technology among nine industries its E&O practice serves. ^1,²Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.	USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. ³Company-reported. Program page description.
How to Apply	HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ^1,²Company-reported. Product-page call to action and customization description as read 2026-09-23.	USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated Affinity_APL@usi.com address for the AICPA program specifically. ³Company-reported. Contact instructions on the AICPA program page.
Coverage Features	HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. ¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. HUB says E&O policies are typically claims-made with per-claim and aggregate limits, can be structured with prior-acts coverage back to a retroactive date, and can offer tail coverage for an extended reporting period; coverage can extend to independent contractors and temporary staff performing work for the business. ²Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.	USI describes the policy as insuring a CPA and their practice against third-party claims that professional services caused financial harm, providing a defense and paying damages for covered claims arising from high-risk situations tied to new clients, changing business plans, or new laws and regulations. ³Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.
Role in This Line	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^1,²Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.	For CPA firms, USI runs the AICPA Professional Liability Program through its USI Affinity division as the endorsed producer, rather than underwriting the policy itself. USI's general Business Services practice separately brokers errors and omissions/professional liability coverage for other business types. ^3,⁵Company-reported. AICPA program page and Business Services practice page.