Newfront vs USI Insurance Services D&O Insurance

Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. ⁵Company-reported. Executive Risk offering page and Leadership section.

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. ⁹Company-reported. ExecuSafe article's "How USI Can Help" section.

The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. ⁵Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. ⁹Not publicly disclosed. ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23.

Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. ⁵Company-reported. Here for the Long Run section; company-reported client counts, not independently verified.

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. ^9,7Company-reported. ExecuSafe article eligibility framing and Technology practice client description.

Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. ⁵Company-reported. Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording.

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. ⁹Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.

The reviewed Executive Risk page does not publish D&O limits or retentions. ⁵Not publicly disclosed. Executive Risk page as read on 2026-09-23.

USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. ⁹Not publicly disclosed. Third-party statistic cited by USI to illustrate exposure, not USI's own placement data.

Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. ⁵Company-reported. Industry-Leading Technology section of the Executive Risk page.

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. ⁷Company-reported. Single case study on the Technology practice page; company-reported outcome, not independently verified.

Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. ⁵Company-reported. Committed to Client Advocacy section and page call-to-action; no online quoting or binding described.

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. ^9,7,10Company-reported. Contact instructions on the ExecuSafe article and the Technology and Business Services pages.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. ⁵Company-reported. The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow.

Not described in the reviewed sources.