---
title: "Insureon vs USI Insurance Services: Professional Liability (E&O) Insurance"
description: "insureon: The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. Scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. usi: 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. Scope: Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form."
canonical: "https://spot.insure/compare/insureon-vs-usi/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "insureon-vs-usi"
provider-a: "insureon"
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. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/insureon-vs-usi/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Insureon 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 Insureon versus USI Insurance Services. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Insureon vs USI Insurance Services for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Insureon or USI Insurance Services?
- What does Insureon or USI Insurance Services publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from Insureon or USI Insurance Services?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Insureon and USI Insurance Services.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Insureon vs USI Insurance Services](https://spot.insure/compare/insureon-vs-usi) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence)
- [Insureon vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/insureon-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Insureon vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/insureon-vs-usi/cyber) — sibling comparison (other line, or other pair for this line)
- [Insureon vs USI Insurance Services Surety Bonds](https://spot.insure/compare/insureon-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Insureon vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/insureon-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

insureon: The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. Scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. usi: 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. Scope: Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.

## How to Use the Insureon vs USI Insurance Services Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate Insureon and USI Insurance Services for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Insureon vs USI Insurance Services Professional Liability (E&O) Insurance Summary

insureon: The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. Scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. usi: 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. Scope: Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

## What is Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [1](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [2](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## What Is USI Insurance Services?

USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [4](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

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

### Published product description

Insureon: The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") By comparison, USI Insurance Services: 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. [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

### Provider role and placement

Insureon: Insureon markets Professional Liability, also called Errors & Omissions, through its small-business quote channel. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") By comparison, USI Insurance Services: 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. [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.usi.com/property-casualty/business-services/ "Business Services")

### Intended customer scope

Insureon: The page addresses service businesses exposed to client claims; the eligible professions and carrier appetite depend on the application and quote. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") By comparison, USI Insurance Services: 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. [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

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

- What does Insureon describe for coverage, and what does USI Insurance Services describe for the same question? [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")
- What does Insureon describe for role, and what does USI Insurance Services describe for the same question? [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.usi.com/property-casualty/business-services/ "Business Services")

## Insureon vs USI Insurance Services Professional Liability (E&O) Compared

| Criteria | Insureon Professional Liability / E&O Insurance | AICPA Professional Liability Program (USI Affinity) |
| --- | --- | --- |
| Role in This Line | Insureon markets Professional Liability, also called Errors & Omissions, through its small-business quote channel. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page..) |
| Issuing Insurer | Confirm in your quote. | 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. [7](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..) |
| Who It’s For | The page addresses service businesses exposed to client claims; the eligible professions and carrier appetite depend on the application and quote. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description..) |
| Coverage Features | The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](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..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The AICPA program page does not publish limit, retention or premium figures; it says coverage plans allow a firm to tailor coverage to its risk profile. [7](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Risk Services | Confirm in your quote. | USI says firms enrolled in the program get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates, in addition to the coverage itself. [7](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 | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [3](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](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..) |

## Related Pages for Insureon vs USI Insurance Services

- [Insureon vs USI Insurance Services](https://spot.insure/compare/insureon-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.
- [Insureon vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/insureon-vs-usi/commercial-property)
- [Insureon vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/insureon-vs-usi/cyber)
- [Insureon vs USI Insurance Services Surety Bonds](https://spot.insure/compare/insureon-vs-usi/surety-bonds)
- [Insureon vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/insureon-vs-usi/workers-compensation)
- [AIG vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-insureon/professional-errors-omissions)
- [AIG vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-usi/professional-errors-omissions)
- [Alliance Risk vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/professional-errors-omissions)
- [Alliance Risk vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-usi/professional-errors-omissions)
- [Aon vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-insureon/professional-errors-omissions)
- [Aon vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-usi/professional-errors-omissions)

## Sources for Insureon vs USI Insurance Services

### Sources About Insureon

1. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
2. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
3. [Professional Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/professional-liability). Insureon; Product definition L67-L89; quote CTA and target users on page.. Accessed 2026-09-29.

### Sources About USI Insurance Services

4. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
5. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
6. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
7. [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.
8. [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.
9. [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.

### Sources for the Professional Liability (E&O) Insurance Guide

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
11. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Insureon Review Scores for 2026

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/insureon/reviews).

## USI Insurance Services Review Scores for 2026

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/insureon-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)