Relm Insurance vs 
USI Insurance Services Professional Liability (E&O) Insurance
Relm's Accountants E&O and USI's AICPA program both target accounting professionals, but the two structures and named insurers differ.
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 1,2
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. 4,5,6
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. 10,11,12,13
Key Differences in 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. 3Company-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. 7
Who Underwrites the Policy
Relm's page does not name a specific issuing insurer for its Accountants E&O product. 3 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. 7
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. 3 USI's page targets sole practitioners and regional CPA firms specifically through the AICPA program, and has offered CPA coverage since 1967. 7
What to Confirm in Professional Liability (E&O) Insurance Quotes
- If you're a CPA firm, ask both companies to confirm which named insurer would issue your policy. 3 7
- Ask Relm whether its Accountants E&O or a different niche line fits your specific accounting role. 3
- Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. 7
- Neither company's reviewed page publishes limits or retentions for these products; ask both for specific figures. 3 7
Offering Details
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) |
|---|---|---|
| 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. 3Company-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. 7,9Company-reported. AICPA program page and Business Services practice page. |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for E&O placements. 3Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. | 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. 7Company-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 | 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. 3Company-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. 3Company-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. 7Company-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. 3Company-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. 3Company-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. 7Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. |
| Limits and Retentions | Not described in the reviewed sources. | 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. 7Not 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. 7Company-reported. Program page description. |
| How to Apply | Not described in the reviewed sources. | 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. 7Company-reported. Contact instructions on the AICPA program page. |
Full Comparison
More Relm Insurance vs USI Insurance Services Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Professional Lines and Errors and Omissions Insurance. Relm Insurance; Errors and Omissions; Accountants Errors and Omissions; Consultants Errors and Omissions; Financial Institutions Professional Indemnity; Miscellaneous Errors and Omissions. 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.
