---
title: "TechInsurance vs USI Insurance Services"
description: "Evaluating technology insurance shopping against a consultative brokerage process when a startup begins coordinating cargo, cyber and benefits."
canonical: "https://spot.insure/compare/techinsurance-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "TechInsurance", "USI Insurance Services"]
---

[Human-readable page](https://spot.insure/compare/techinsurance-vs-usi)

# TechInsurance vs USI Insurance Services

Evaluating technology insurance shopping against a consultative brokerage process when a startup begins coordinating cargo, cyber and benefits.

## Research Scope and Use

Use this comparison to evaluate TechInsurance and USI Insurance Services against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

TechInsurance offers a small-business comparison application. USI markets technology placement from seed stage through IPO and a consultative analytics process, with separate benefits services; its announced Aon transaction was not established as closed in the reviewed evidence. [2](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [15](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [26](https://www.usi.com/employee-benefits "Employee Benefits") [33](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform")



## Introduction

A hardware or software company preparing for its next growth phase may need to coordinate more than the next renewal premium. TechInsurance offers multi-insurer small-business shopping; USI’s technology practice lists cargo, technology liability and international placements and describes serving seed-stage through IPO companies. The decision is whether the proposed team can coordinate the actual exposures and justify its advisory work. [2](https://www.techinsurance.com/about-us "About TechInsurance") [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## Documented Provider Strengths

### TechInsurance

- One application to compare multiple insurance quotes [2](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
- Technology E&O and cyber coverage marketed together [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)

### USI Insurance Services

- USI’s Technology practice says it works with software, hardware and related companies from early seed stage through IPO. [14](https://www.usi.com/about-usi "The Power of ONE") [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.)
- USI says it is customarily paid insurer commissions and may receive additional contingent compensation, with details available on request. [20](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | TechInsurance | USI Insurance Services |
| --- | --- | --- |
| Business owner’s policy | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Not listed |
| Cargo and transit | Not listed | Listed [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| Commercial auto | Listed [1](https://www.techinsurance.com/ "Technology Business Insurance") | Listed [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [23](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Commercial property | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Crime | Not listed | Listed [23](https://www.usi.com/property-casualty/business-services/ "Business Services") [29](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Cyber liability | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [27](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Directors and officers | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [23](https://www.usi.com/property-casualty/business-services/ "Business Services") [29](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Employee health and benefits | Not listed | Listed [26](https://www.usi.com/employee-benefits "Employee Benefits") [24](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Employment practices liability | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [23](https://www.usi.com/property-casualty/business-services/ "Business Services") [29](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Fidelity bonds | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Not listed |
| Fiduciary liability | Not listed | Listed [23](https://www.usi.com/property-casualty/business-services/ "Business Services") [29](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| General liability | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [23](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Kidnap and ransom | Not listed | Listed [23](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Management liability | Not listed | Listed [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [29](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Medical malpractice | Not listed | Listed [25](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Product liability | Not listed | Listed [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Professional liability / E&O | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [23](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Representations and warranties | Not listed | Listed [24](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Surety bonds | Listed [3](https://www.techinsurance.com/contact-us "Contact Us") | Listed [25](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Technology errors and omissions | Listed [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") | Listed [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [28](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/ "Protect Your Organization From Increasing Third-Party Cyber Exposures") |
| Tools, equipment and inland marine | Listed [8](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") | Not listed |
| Umbrella and excess liability | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [23](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Workers’ compensation | Listed [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | Listed [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [23](https://www.usi.com/property-casualty/business-services/ "Business Services") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between TechInsurance and USI Insurance Services

### A Technology Practice Is Not an Eligibility Promise

USI’s technology list includes worldwide cargo and stock, business-income exposures and product liability. These are useful subjects for a startup shipping hardware or relying on contract manufacturers. TechInsurance’s catalogue covers common business risks and technology E&O/cyber; an unlisted specialty should become a question for the broker, not an assumed exclusion from its capabilities. [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")

USI’s seed-to-IPO positioning supplies audience context, not a minimum-account commitment or California approval. Its record leaves the California-specific contracting route unresolved. TechInsurance has a California shopping page, but the offered forms and insurer still depend on the applicant. [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [16](https://www.usi.com/about-usi/locations "Find a USI office near you") [5](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California")

### Ask What the Analytical Process Delivers

USI describes USI ONE as combining analytics, specialists and planning. Its benefits practice is a separate consulting capability. For a finance team coordinating insurance with hiring, ask what analysis and benefits work are included in the engagement, who performs them and when recommendations arrive. TechInsurance’s documented account-manager support does not itself establish that same assignment. [15](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [26](https://www.usi.com/employee-benefits "Employee Benefits") [3](https://www.techinsurance.com/contact-us "Contact Us")

USI uses an inquiry-led process rather than a published self-serve commercial bind flow. Its contact form warns against sending sensitive information through the unsecured message box. Arrange an appropriate document-transfer route before sharing loss information or detailed employee data. [17](https://www.usi.com/contact-us/ "Contact Us")

### Keep the Announced Acquisition in Its Proper Status

On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [33](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.)

The announcement is a prompt to confirm account-team continuity, not a basis to assume access to every Aon resource. TechInsurance’s Insureon/HUB relationship is an established part of its current description. Neither corporate relationship replaces an account-specific service and compensation agreement. [2](https://www.techinsurance.com/about-us "About TechInsurance") [20](https://www.usi.com/commissions-fees/ "Commissions and Fees") [10](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")

## What to Confirm in Quotes

- Map the cargo, technology, property and benefits work to named teams and actual policies. [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [26](https://www.usi.com/employee-benefits "Employee Benefits") [6](https://www.techinsurance.com/small-business-insurance "Small Business Insurance")
- Request current California producer documentation and the named insurers; USI’s old claims directory is not a current market panel. [34](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") [31](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") [8](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")
- Specify analytical deliverables, commissions, fees and any transition arrangements associated with the announced acquisition. [15](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [33](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") [20](https://www.usi.com/commissions-fees/ "Commissions and Fees") [10](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")



## Service Comparison

TechInsurance vs USI Insurance Services: documented services and availability.

| Criteria | TechInsurance | USI Insurance Services |
| --- | --- | --- |
| Business role | TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [3](https://www.techinsurance.com/contact-us "Contact Us") [9](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [10](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)<br><br>TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [2](https://www.techinsurance.com/about-us "About TechInsurance") [3](https://www.techinsurance.com/contact-us "Contact Us") [12](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [14](https://www.usi.com/about-usi "The Power of ONE") [13](https://www.usi.com/ "Insurance Brokerage and Consulting") [20](https://www.usi.com/commissions-fees/ "Commissions and Fees") [33](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)<br><br>USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [20](https://www.usi.com/commissions-fees/ "Commissions and Fees") [19](https://www.usi.com/privacy/ "Privacy") [34](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)<br><br>On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [33](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) |
| Application process | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [2](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)<br><br>TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [3](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; verified: 2026-09-16.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [17](https://www.usi.com/contact-us/ "Contact Us") [29](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) |
| Access to insurers | TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. [8](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") (Evidence: Company-reported; scope: Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.; verified: 2026-09-16.) | USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [27](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/privacy/ "Privacy") [31](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; verified: 2026-09-16.) |
| Servicing and renewals | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. [1](https://www.techinsurance.com/ "Technology Business Insurance") [3](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Documented service description, not tested service speed or quality.; verified: 2026-09-16.)<br><br>The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. [2](https://www.techinsurance.com/about-us "About TechInsurance") [3](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Not publicly disclosed; scope: Scoped public-information gap; does not establish that these services are unavailable.; verified: 2026-09-16.) | USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. [15](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [22](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [21](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.; verified: 2026-09-16.)<br><br>USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. [30](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [13](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Risk-control tool as marketed. Access for a given client is not specified on the public pages.; verified: 2026-09-16.) |
| Fees and compensation | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [9](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [10](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)<br><br>SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [10](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [20](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) |

## Related Reading

- [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

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- [Cowbell vs TechInsurance](https://spot.insure/compare/cowbell-vs-techinsurance)
- [Cowbell vs USI](https://spot.insure/compare/cowbell-vs-usi)
- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance)
- [Embroker vs USI](https://spot.insure/compare/embroker-vs-usi)
- [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-vs-techinsurance)
- [Founder Shield vs USI](https://spot.insure/compare/foundershield-vs-usi)
- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance)
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi)
- [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance)
- [Harper vs USI](https://spot.insure/compare/harper-vs-usi)
- [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance)
- [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi)
- [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance)
- [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi)
- [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance)
- [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi)
- [Kinro vs TechInsurance](https://spot.insure/compare/kinro-vs-techinsurance)
- [Kinro vs USI](https://spot.insure/compare/kinro-vs-usi)
- [Layr vs TechInsurance](https://spot.insure/compare/layr-vs-techinsurance)
- [Layr vs USI](https://spot.insure/compare/layr-vs-usi)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance)
- [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi)
- [Mylo vs TechInsurance](https://spot.insure/compare/mylo-vs-techinsurance)
- [Mylo vs USI](https://spot.insure/compare/mylo-vs-usi)
- [Newfront vs TechInsurance](https://spot.insure/compare/newfront-vs-techinsurance)
- [Newfront vs USI](https://spot.insure/compare/newfront-vs-usi)
- [ERGO NEXT Insurance vs TechInsurance](https://spot.insure/compare/next-insurance-vs-techinsurance)
- [ERGO NEXT vs USI](https://spot.insure/compare/next-insurance-vs-usi)
- [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance)
- [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi)
- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance)
- [Relm vs USI](https://spot.insure/compare/relm-vs-usi)
- [Resilience vs TechInsurance](https://spot.insure/compare/resilience-vs-techinsurance)
- [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi)
- [RiskCube vs TechInsurance](https://spot.insure/compare/riskcube-vs-techinsurance)
- [RiskCube vs USI Insurance Services](https://spot.insure/compare/riskcube-vs-usi)
- [Risklytics vs TechInsurance Insurance](https://spot.insure/compare/risklytics-vs-techinsurance)
- [Risklytics vs USI](https://spot.insure/compare/risklytics-vs-usi)
- [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-vs-techinsurance)
- [StartupInsurance.ai vs USI](https://spot.insure/compare/startupinsurance-vs-usi)
- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford)
- [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers)
- [TechInsurance vs Vouch](https://spot.insure/compare/techinsurance-vs-vouch)
- [TechInsurance vs WithCoverage](https://spot.insure/compare/techinsurance-vs-withcoverage)
- [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi)
- [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi)
- [USI vs Vouch](https://spot.insure/compare/usi-vs-vouch)
- [USI vs WithCoverage](https://spot.insure/compare/usi-vs-withcoverage)

## Sources

### [TechInsurance Official Website](https://www.techinsurance.com/)

1. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
2. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
3. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
4. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
5. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
6. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
7. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
8. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
9. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
10. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
11. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim). TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
12. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

### [USI Insurance Services Official Website](https://www.usi.com)

13. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
14. [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.
15. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
16. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
17. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
18. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
19. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
20. [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.
21. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
22. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
23. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
24. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
25. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
26. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
27. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description; no contracting insurer named. Accessed 2026-09-16.
28. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
29. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
30. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
31. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
32. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
33. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
34. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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