--- title: "Nationwide vs USI Insurance Services: Professional Liability (E&O) Insurance" description: "USI’s AICPA-endorsed program places CPA-firm E&O underwritten by CNA and includes practice risk resources; Nationwide describes professional E&O through agents." canonical: "https://spot.insure/compare/nationwide-vs-usi/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "nationwide-vs-usi" provider-a: "nationwide" 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/nationwide-vs-usi/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Nationwide 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 Nationwide 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:** - Nationwide vs USI Insurance Services for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Nationwide or USI Insurance Services? - What does Nationwide 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 Nationwide or USI Insurance Services? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Nationwide 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Nationwide vs USI Insurance Services](https://spot.insure/compare/nationwide-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 - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [Nationwide vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/nationwide-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) - [Nationwide vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Nationwide vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-nationwide/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 Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/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) - [At-Bay vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [At-Bay vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Nationwide vs USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance? USI’s AICPA-endorsed program places CPA-firm E&O underwritten by CNA and includes practice risk resources; Nationwide describes professional E&O through agents. ## Research Scope and Use Use this comparison to evaluate Nationwide 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. ## Summary USI Affinity runs the AICPA Professional Liability Program for CPA firms as the endorsed producer, with CNA underwriting and risk-management resources. Nationwide describes E&O for service businesses and directs buyers to an agent or quote request. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [8](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") ## What Is Nationwide? Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [2](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [3](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [Nationwide profile](https://spot.insure/insurance-providers/nationwide) ## 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. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](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. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## Key Differences in Professional Liability (E&O) Insurance ### CPA Program and Underwriter USI Affinity serves as endorsed producer for the AICPA Professional Liability Program, marketed to sole practitioners and regional CPA firms; USI names CNA as the underwriter for that program. It separately brokers E&O for other business types through Business Services. Nationwide describes E&O for professionals and service businesses, but its overview does not identify a CPA-specific endorsed program or an insurer for a particular quote. A CPA firm should compare the AICPA program with the exact class and insurer Nationwide proposes. [8](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") ### Practice Resources and Application USI says enrolled CPA firms can access supportive claims handling, engagement-letter templates and risk-management resources, and directs quote or renewal requests to its Affinity team. Nationwide directs buyers to an agent or quote request and does not detail CPA practice resources in its E&O overview. These services may matter alongside coverage, so ask who provides them and whether they are included with the quoted program. [8](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") ## What to Confirm in Professional Liability (E&O) Insurance Quotes - Ask USI whether the AICPA program fits the firm’s size, services and ownership, and confirm CNA appears as underwriter on the quote. [8](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") - Ask Nationwide’s agent which insurer, professional class and claims-made terms apply to the CPA practice. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") - Confirm access to engagement-letter templates, claims support and risk-management resources under the USI program. [8](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") ## Offering Details | Criteria | Nationwide professional errors omissions (official overview) | AICPA Professional Liability Program (USI Affinity) | | --- | --- | --- | | Role in This Line | Nationwide describes offering professional errors omissions for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [8](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [10](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. [8](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 | Professionals and businesses providing services to others as described by Nationwide; exact eligible classes depend on underwriting. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [8](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 cited product page describes E&O insurance for claims alleging errors or omissions in professional services, as described on Nationwide's product page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [8](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 overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | 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. [8](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. [8](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 page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [4](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [8](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..) | ## Full Comparison - [Nationwide vs USI Insurance Services](https://spot.insure/compare/nationwide-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. - [Nationwide vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/nationwide-vs-usi/cyber) - [Nationwide vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/fiduciary) - [Nationwide vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/management-liability) - [AIG vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-nationwide/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 Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/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) - [At-Bay vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-nationwide/professional-errors-omissions) - [At-Bay vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-usi/professional-errors-omissions) ## Sources ### Nationwide 1. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29. 2. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29. 3. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29. 4. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; E&O page; professional-services liability and coverage overview.. Accessed 2026-09-30. ### USI Insurance Services 5. [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. 6. [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. 7. [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. 8. [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. 9. [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. 10. [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. ### Professional Liability (E&O) Insurance Guide 11. [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. 12. [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. 13. [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. 14. [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 2026-09-30. 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. ## Nationwide Reviews Review Score: 7.8 / 10 from 4 rated sources, equally weighted. Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews. - NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance) - J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm) - Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com) - ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html) - ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html) - BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints) - BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/reviews). ## USI Insurance Services Reviews 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/nationwide-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)