---
title: "Newfront vs USI Insurance Services D&O Insurance"
description: "Newfront brokers D&O from seed through IPO; USI aims ExecuSafe at small and midsize businesses and places tech D&O from seed through IPO."
canonical: "https://spot.insure/compare/newfront-vs-usi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/newfront-vs-usi/directors-officers)

# Newfront vs USI Insurance Services D&O Insurance

Newfront brokers D&O from seed through IPO; USI aims ExecuSafe at small and midsize businesses and places tech D&O from seed through IPO.

## Research Scope and Use

Use this comparison to evaluate Newfront and USI Insurance Services for D&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

Newfront’s Executive Risk practice brokers D&O for private companies from seed through funding series and for public companies on M&A and IPOs, while USI aims ExecuSafe at small and midsize businesses and places D&O for technology clients from seed through IPO. [5](https://www.newfront.com/executive-risk "Executive Risk") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

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

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [11](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Broker Role on This Line

Newfront’s Executive Risk practice brokers D&O and names a practice leader over that management-liability book. [5](https://www.newfront.com/executive-risk "Executive Risk") USI is also a broker: it says it helps clients identify D&O exposures, review existing management-liability policies for gaps, and place coverage, including through its ExecuSafe endorsement package. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") Neither reviewed D&O page names the issuing insurer. [5](https://www.newfront.com/executive-risk "Executive Risk") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### Which Companies Each Practice Names

Newfront says it services private companies from seed through every series of capital funding, including a stated unicorn count, and has worked with more than 500 publicly traded companies on M&A and IPOs. [5](https://www.newfront.com/executive-risk "Executive Risk") USI targets small- and medium-sized businesses for ExecuSafe, and its Technology practice places D&O for software, hardware and communications clients from seed stage through IPO. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") A public or late-stage company is in Newfront’s stated book. A seed software company is named on USI’s Technology path.

### Claim Types They Describe

Newfront says D&O work includes protection against securities-related litigation and regulatory investigations. [5](https://www.newfront.com/executive-risk "Executive Risk") USI lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common D&O claim types. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") Ask both quotes which of those allegations the proposed form actually answers.

## What to Confirm in D&O Insurance Quotes

- Ask USI whether ExecuSafe endorsements are on the quote. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- Ask Newfront which carrier would issue the policy. [5](https://www.newfront.com/executive-risk "Executive Risk")
- If you are a software company, ask whether USI’s Technology practice would own the file. [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- Confirm limits, retentions and claims contacts on both quotes. [5](https://www.newfront.com/executive-risk "Executive Risk") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## Offering Details

| Criteria | Newfront Directors and Officers (D&O) Insurance | USI ExecuSafe Directors & Officers Liability Program |
| --- | --- | --- |
| Role in This Line | 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. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) |
| Issuing Insurer | The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23..) |
| Who It’s For | 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. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) |
| Coverage Features | 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. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) |
| Limits and Retentions | The reviewed Executive Risk page does not publish D&O limits or retentions. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data..) |
| Risk Services | 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. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) |
| How to Apply | 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. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [10](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages..) |
| Claims Support | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow..) | Not described in the reviewed sources. |

## Full Comparison

- [Newfront vs USI Insurance Services](https://spot.insure/compare/newfront-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Newfront vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/newfront-vs-usi/commercial-property)
- [Newfront vs USI Insurance Services Crime Insurance](https://spot.insure/compare/newfront-vs-usi/crime)
- [Newfront vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/newfront-vs-usi/cyber)
- [Newfront vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/newfront-vs-usi/employee-health-benefits)
- [Newfront vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-usi/employment-practices)
- [Newfront vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-usi/fiduciary)
- [Newfront vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/newfront-vs-usi/management-liability)
- [Newfront vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-usi/professional-errors-omissions)
- [Newfront vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/newfront-vs-usi/representations-warranties)
- [Newfront vs USI Insurance Services Surety Bonds](https://spot.insure/compare/newfront-vs-usi/surety-bonds)
- [Newfront vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-usi/workers-compensation)
- [Alliance Risk vs Newfront D&O Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/directors-officers)
- [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers)
- [Amelia Risk vs Newfront D&O Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/directors-officers)
- [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers)
- [Beazley vs Newfront D&O Insurance](https://spot.insure/compare/beazley-vs-newfront/directors-officers)
- [Beazley vs USI Insurance Services D&O Insurance](https://spot.insure/compare/beazley-vs-usi/directors-officers)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
3. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
4. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
5. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O)—Private and public companies, Side A DIC D&O; Here for the Long Run: Private Companies, IPOs, Public; Leadership: Deirdre Finn; Industry-Leading Technology. Accessed 2026-09-23.

### USI Insurance Services

6. [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.
7. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
8. [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.
9. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. 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...Directors & Officers Liability.... Accessed 2026-09-23.

### D&O Insurance Guide

11. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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