Pie Insurance vs 
USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?
USI Insurance Services markets the AICPA program, underwritten by CNA, to sole practitioners and regional CPA firms; Pie Insurance is an intermediary for small businesses, naming architects, contractors and consultants among professionals who often carry E&O.
CPA firms can apply to USI's AICPA Professional Liability Program, while Pie's E&O page names a broader set of professions but no CPA-specific program. 1,2
What Are the Key Differences Between Pie Insurance and USI Insurance Services Professional Liability (E&O) Insurance?
CPA-Specific Program Versus Broad Profession List
Pie lists architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents for its E&O product. 1 USI's AICPA program is reserved for CPA firms and has operated since 1994. 2
Who Underwrites the Policy
Pie's page names no specific insurer, referring only to "our insurance carrier partners." 1 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. 2Company-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. 1 USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated email address for the AICPA program specifically. 2
What Should You Confirm in Pie Insurance and USI Insurance Services 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. 2
- Ask Pie to name the specific carrier partner that would issue your policy. 1
- Neither the AICPA program page nor Pie's page publishes limits or retentions; ask both for specific figures. 2 1
- Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. 2
Pie Insurance vs USI Insurance Services Professional Liability (E&O) Compared
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) |
|---|---|---|
| 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. 1Company-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. 2Company-reported. Program page description. |
| How to Apply | Pie directs errors and omissions buyers to contact the company to start a quote through its website. 1Company-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. 2Company-reported. Contact instructions on the AICPA program page. |
| 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. 1Company-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. 2Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. |
| 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. 1Company-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. 2,4Company-reported. AICPA program page and Business Services practice page. |
