--- title: "HUB International vs USI Insurance Services: Professional Liability (E&O) Insurance" description: "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." canonical: "https://spot.insure/compare/hub-international-vs-usi/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-usi" provider-a: "hub-international" provider-b: "usi" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/hub-international-vs-usi/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and USI Insurance Services for Professional Liability (E&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 Professional Liability (E&O) Insurance questions about HUB International 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:** - HUB International vs USI Insurance Services for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, HUB International or USI Insurance Services? - What does HUB International or USI Insurance Services publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: HUB International 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:** - [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi) — all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # 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 program serves CPA firms; HUB customizes E&O across a broader industry list with prior-acts, limit and tail options. ## HUB International vs USI Insurance Services Professional Liability (E&O) Insurance Summary 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [1](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ## 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. [3](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ### 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ### 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") ## 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") - Ask HUB which insurer it intends to place your policy with, since none is named on its product pages. [1](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") - Ask USI whether the AICPA program's claims-handling and risk-management resources, like engagement-letter templates, apply outside that specific program. [3](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") - Ask HUB for the prior-acts retroactive date and tail-coverage terms being offered, and whether contractors or temporary staff are included. [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Get limits, retentions and premium in writing from both, since neither publishes them. [3](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [1](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") ## HUB International vs USI Insurance Services Professional Liability (E&O) Compared | 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [5](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page..) | ## About HUB International and USI Insurance Services - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for HUB International vs USI Insurance Services - [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [HUB International Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hub-international/professional-errors-omissions) - [USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/usi/professional-errors-omissions) ## Sources for HUB International vs USI Insurance Services ### Sources About HUB International 1. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker. Accessed 2026-09-23. 2. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps. Accessed 2026-09-23. ### Sources About USI Insurance Services 3. [Accountants Professional Liability — USI Affinity](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/). USI Insurance Services; Quality Professional Liability Insurance Exclusively for CPA Firms; "The AICPA Professional Liability Program, underwritten by CNA, has been offering coverage to CPAs since 1967 and has been the endorsed provider of the AICPA Program since 1994."; supportive claims handling and exclusive access to extensive risk management resources, including engagement letter templates; Email Affinity_APL@usi.com. Accessed 2026-09-23. 4. [USI Specialty Program Solutions](https://www.usi.com/programs/). USI Insurance Services; USI Affinity delivers high-quality insurance and financial solutions to members of affinity organizations and targeted industry segments...for professional associations, law firms, alumni and collegiate organizations, travel groups, and insurance administrators.. Accessed 2026-09-23. 5. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Errors & Omissions/Professional 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-usi/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)