Relm Insurance vs USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?

USI Insurance Services is the route for CPA firms through the AICPA program underwritten by CNA; Relm Insurance has its own Accountants E&O product plus lines for emerging sectors like space and AI.

Relm describes a dedicated Accountants Errors and Omissions product covering misconduct accusations and financial misstatements, while USI's AICPA Professional Liability Program targets CPA firms specifically and is underwritten by CNA. ^1,²

What Are the Key Differences Between Relm Insurance and USI Insurance Services Professional Liability (E&O) Insurance?

Two Different Accounting-Focused Products

Relm describes a distinct Accountants Errors and Omissions product, separate from its general E&O line, covering misconduct accusations, financial misstatements, miscalculations and late filings:

Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations, late filings, and in some cases breach of contract, including legal defense costs, settlements and damages. ¹Company-reported. Professional Lines page 'Accountants Errors and Omissions' section; a related but separate product from Relm's general E&O line.

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. ²

When comparing Relm Insurance and USI Insurance Services, use the stated fit categories to rule either provider in or out before spending time on an application.

Who Underwrites the Policy

Relm's page does not name a specific issuing insurer for its Accountants E&O product. ¹ USI's page names CNA as the underwriter of the AICPA program specifically, though its general Business Services practice, which brokers E&O for other business types, does not name an insurer. ²

Who Each Company Targets

Relm's accounting-focused product sits inside a broader family of niche E&O lines that also cover consultants, financial institutions, lawyers, lenders and media. ¹ USI's page targets sole practitioners and regional CPA firms specifically through the AICPA program, and has offered CPA coverage since 1967. ²

What Should You Confirm in Relm Insurance and USI Insurance Services Professional Liability (E&O) Insurance Quotes?

If you're a CPA firm, ask both companies to confirm which named insurer would issue your policy. ¹ ²
Ask Relm whether its Accountants E&O or a different niche line fits your specific accounting role. ¹
Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. ²
Neither company's reviewed page publishes limits or retentions for these products; ask both for specific figures. ¹ ²

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

Relm Insurance vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Relm Errors and Omissions Insurance	AICPA Professional Liability Program (USI Affinity)
Who It’s For	Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing general E&O as protection for the provision of specialized products, advice or services, and Miscellaneous E&O for niche fields like robotics consulting and space logistics that don't fit an established category. ¹Company-reported. Professional Lines page framing; not a guarantee of eligibility for a particular company. Relm notes that some professionals, including attorneys, are required by federal or state law to carry errors and omissions insurance, and that Financial Institutions Professional Indemnity is mandated by some regulators, including the UK's Financial Conduct Authority. ¹Company-reported. Professional Lines page; general regulatory context, not a jurisdiction-specific legal determination for a particular buyer.	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.
Coverage Features	Relm says its general E&O line covers claims of professional negligence, mistakes or faulty recommendations, and failure to deliver on agreed services, while Consultants E&O specifically defends against allegations of negligence, poor advice or failure to deliver adequate services. ¹Company-reported. Professional Lines page general description; the issued policy and declarations control. Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations, late filings, and in some cases breach of contract, including legal defense costs, settlements and damages. ¹Company-reported. Professional Lines page 'Accountants Errors and Omissions' section; a related but separate product from Relm's general E&O line.	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	Relm groups a family of professional liability products under Professional Lines and Errors and Omissions, distinguishing a general E&O line from specialized versions for accountants, consultants, financial institutions, lawyers, lenders, media, trust/fund administrators and other niches. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers the general 'Errors and Omissions' and 'Consultants' and 'Miscellaneous' entries; Relm's media and lawyers E&O sub-products are addressed in separate offering records where scoped.	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.

Criteria

Relm Errors and Omissions Insurance

AICPA Professional Liability Program (USI Affinity)

Who It’s For

Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing general E&O as protection for the provision of specialized products, advice or services, and Miscellaneous E&O for niche fields like robotics consulting and space logistics that don't fit an established category. ¹Company-reported. Professional Lines page framing; not a guarantee of eligibility for a particular company.

Relm notes that some professionals, including attorneys, are required by federal or state law to carry errors and omissions insurance, and that Financial Institutions Professional Indemnity is mandated by some regulators, including the UK's Financial Conduct Authority. ¹Company-reported. Professional Lines page; general regulatory context, not a jurisdiction-specific legal determination for a particular buyer.

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.

Coverage Features

Relm says its general E&O line covers claims of professional negligence, mistakes or faulty recommendations, and failure to deliver on agreed services, while Consultants E&O specifically defends against allegations of negligence, poor advice or failure to deliver adequate services. ¹Company-reported. Professional Lines page general description; the issued policy and declarations control.

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

Relm groups a family of professional liability products under Professional Lines and Errors and Omissions, distinguishing a general E&O line from specialized versions for accountants, consultants, financial institutions, lawyers, lenders, media, trust/fund administrators and other niches. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers the general 'Errors and Omissions' and 'Consultants' and 'Miscellaneous' entries; Relm's media and lawyers E&O sub-products are addressed in separate offering records where scoped.

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.