---
title: "Pie Insurance vs USI Insurance Services: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/pie-insurance-vs-usi/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-usi"
provider-a: "pie-insurance"
provider-b: "usi"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/pie-insurance-vs-usi/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance 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 Pie Insurance versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs USI Insurance Services for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Pie Insurance or USI Insurance Services?
- What does Pie Insurance or USI Insurance Services publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Pie Insurance and USI Insurance Services.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Pie Insurance vs USI Insurance Services](https://spot.insure/compare/pie-insurance-vs-usi) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# 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.

USI has a CPA-specific AICPA E&O program; Pie describes one product for a wider range of professions.

## Pie Insurance vs USI Insurance Services Professional Liability (E&O) Insurance Summary

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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

## 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") USI's AICPA program is reserved for CPA firms and has operated since 1994. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

### Who Underwrites the Policy

Pie's page names no specific insurer, referring only to "our insurance carrier partners." [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") 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. [2](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..)

### How You Start a Quote

Pie directs buyers to contact the company to start a quote for errors and omissions coverage. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated email address for the AICPA program specifically. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

## 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")
- Ask Pie to name the specific carrier partner that would issue your policy. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Neither the AICPA program page nor Pie's page publishes limits or retentions; ask both for specific figures. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

## Pie Insurance vs USI Insurance Services Professional Liability (E&O) Compared

| 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. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](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 | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [4](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page..) |

## About Pie Insurance and USI Insurance Services

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Pie Insurance vs USI Insurance Services

- [Pie Insurance vs USI Insurance Services](https://spot.insure/compare/pie-insurance-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.
- [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions)
- [USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/usi/professional-errors-omissions)

## Sources for Pie Insurance vs USI Insurance Services

### Sources About Pie Insurance

1. [Errors and Omissions Insurance](https://www.pieinsurance.com/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.

### Sources About USI Insurance Services

2. [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.
3. [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.
4. [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.

Updated 2026-09-25. 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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