---
title: "Resilience vs USI Insurance Services Cyber Insurance"
description: "Resilience is underwritten by a named insurer group; USI negotiates its own manuscripted PrivaSafe form without naming a carrier."
canonical: "https://spot.insure/compare/resilience-vs-usi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Resilience vs USI Insurance Services Cyber Insurance

Resilience is underwritten by a named insurer group; USI negotiates its own manuscripted PrivaSafe form without naming a carrier.

## Research Scope and Use

Use this comparison to evaluate Resilience and USI Insurance Services for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Resilience is underwritten by Homeland Insurance Company of New York or Delaware and advertises cyber limits up to $20 million, while USI places coverage through its own manuscripted PrivaSafe program without naming the underwriting carrier. [4](https://cyberresilience.com/disclaimer/ "Disclaimer") [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

## What Is Resilience Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services. Its offerings address both insurance placement and security investment decisions. [1](https://cyberresilience.com/ "Home Page") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

[Resilience profile](https://spot.insure/insurance-providers/resilience)

## 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. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### A Named Insurer vs. a Named Program

Resilience's US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both part of Intact Insurance Group USA, as underwriters. USI instead places cyber coverage through its own manuscripted program, PrivaSafe, a custom-drafted form it negotiates with the market, without naming the carrier that would ultimately underwrite it.

Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. [4](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published..)

[9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### Comparing Published Limits

Resilience advertises cyber limits up to $20 million on a primary or excess basis, with a $500,000 eCrime sublimit. USI publishes a different set of figures for PrivaSafe: coverage meant to prevent losses up to $10 million, up to $2 million in added notification-cost coverage, and $250,000 in defense-cost coverage outside the limit. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### Who Each Targets

USI markets PrivaSafe to middle-market firms it says have limited in-house access to security expertise. Resilience's US appetite table instead names a broad range of industries, including healthcare, financial institutions, manufacturing, construction, retail and hospitality, without a stated company-size threshold. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")

## What to Confirm in Cyber Insurance Quotes

- Ask Resilience which of its two named Homeland entities would issue your specific policy. [4](https://cyberresilience.com/disclaimer/ "Disclaimer")
- Ask USI which insurer would underwrite your PrivaSafe placement, since its page names none. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Compare Resilience's $20 million limit and $500,000 eCrime sublimit against USI's $10 million loss-prevention figure and its notification and defense sublimits. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Ask whether Resilience's Risk Operations Center monitoring overlaps with USI's PrivaSafe pre- and post-breach services. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

## Offering Details

| Criteria | Resilience Cyber Insurance | USI PrivaSafe Cyber and Privacy Liability Program |
| --- | --- | --- |
| Role in This Line | Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Cyber Insurance product page description of the combined offering, accessed 2026-09-23..) | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages..) |
| Issuing Insurer | Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. [4](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published..) | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Not publicly disclosed; scope: PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found..) |
| Who It’s For | Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range)..) | USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page marketing description, not an underwriting appetite statement..) |
| Coverage Features | Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy..) | USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form..) |
| Limits and Retentions | Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote..) | USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations..) |
| Risk Services | Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "The Resilience Advantage" section of the cyber product page..) | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Program page and property-casualty practice team description..) |
| How to Apply | The reviewed cyber product page does not describe a self-service online application or quoting process; it routes visitors to request a quote or watch a product overview rather than showing an application flow. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Cyber Insurance product page, accessed 2026-09-23..) | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. [9](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description..) |
| Claims Support | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. [5](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Resilience vs USI Insurance Services](https://spot.insure/compare/resilience-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Alliance Risk vs Resilience Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/cyber)
- [Alliance Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-usi/cyber)
- [Amelia Risk vs Resilience Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/cyber)
- [Amelia Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-usi/cyber)
- [At-Bay vs Resilience Cyber Insurance](https://spot.insure/compare/at-bay-vs-resilience/cyber)
- [At-Bay vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/at-bay-vs-usi/cyber)

## Sources

### Resilience

1. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
2. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology Errors & Omissions: technology risk categories; Key Benefits; primary and excess offering; A Broad Market Appetite (US revenue $25M–$10B). Accessed 2026-09-16.
3. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23.
4. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
5. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

### USI Insurance Services

6. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
7. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe.... Accessed 2026-09-23.
8. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
9. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy.... Accessed 2026-09-23.
10. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. Accessed 2026-09-23.

### Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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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