Pie Insurance vs 
USI Insurance Services Professional Liability (E&O) Insurance
Pie places E&O with unnamed carrier partners for a broad list of professions; USI's flagship E&O program is CPA-specific and names CNA as underwriter.
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 1,2,3
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. 5,6,7
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 11,12,13,14
Key Differences in Professional Liability (E&O) Insurance
A Broad Product vs. a Named CPA Program
Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents among professionals who often carry E&O, placing one product across that list. 4 USI's most detailed E&O offering is the AICPA Professional Liability Program, run through its USI Affinity division specifically for CPA firms, which it has provided since 1994. 8
Who Underwrites the Policy
Pie's page names no specific insurer, referring only to "our insurance carrier partners." 4 USI's page instead names an insurer directly for its CPA program:
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. 8Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.
How You Start a Quote
Pie directs buyers to contact the company to start a quote for errors and omissions coverage. 4 USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated email address for the AICPA program specifically. 8
What to Confirm in Professional Liability (E&O) Insurance Quotes
- If you're a CPA firm, ask USI whether the AICPA program or its general Business Services E&O placement applies, since the two have different named insurers. 8
- Ask Pie to name the specific carrier partner that would issue your policy. 4
- Neither the AICPA program page nor Pie's page publishes limits or retentions; ask both for specific figures. 8 4
- Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. 8
Offering Details
Pie Insurance vs USI Insurance Services Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Pie Errors and Omissions Insurance | AICPA Professional Liability Program (USI Affinity) |
|---|---|---|
| Role in This Line | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. 4Company-reported. Errors and Omissions product page as read on 2026-09-23. | 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. 8,10Company-reported. AICPA program page and Business Services practice page. |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. 4Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. | 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. 8Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements. |
| Who It’s For | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. 4Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list. | 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. 8Company-reported. Program page description. |
| Coverage Features | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. 4Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. | 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. 8Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. 4Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. | 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. 8Not publicly disclosed. Page as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | 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. 8Company-reported. Program page description. |
| How to Apply | Pie directs errors and omissions buyers to contact the company to start a quote through its website. 4Company-reported. Errors and Omissions product page as read on 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. 8Company-reported. Contact instructions on the AICPA program page. |
Full Comparison
More Pie Insurance vs USI Insurance Services Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- Errors and Omissions Insurance. Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Accountants Professional Liability — USI Affinity. 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.
- USI Specialty Program Solutions. 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.
- 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
- FAQ: Professional liability insurance. 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.
- 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.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. 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.
