---
title: "TechInsurance vs USI Insurance Services D&O Insurance"
description: "TechInsurance quotes D&O with a $133 median; USI brokers ExecuSafe and seed-to-IPO technology D&O."
canonical: "https://spot.insure/compare/techinsurance-vs-usi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# TechInsurance vs USI Insurance Services D&O Insurance

TechInsurance quotes D&O with a $133 median; USI brokers ExecuSafe and seed-to-IPO technology D&O.

## Research Scope and Use

Use this comparison to evaluate TechInsurance and USI Insurance Services for D&O 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

TechInsurance arranges D&O as a standalone policy or GL/BOP endorsement and reports a median of $133 per month. USI brokers D&O, including ExecuSafe endorsements for small and midsize businesses, and its Technology practice places D&O for software, hardware and communications clients from seed through IPO. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [1](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees")

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

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Product Quote Versus Broker Package

TechInsurance arranges D&O as a standalone policy or as an endorsement to general liability or a BOP. USI is a broker that identifies D&O exposures, reviews existing management-liability policies, and places coverage, including through ExecuSafe. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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")

TechInsurance’s path is a quoted product. USI’s path is a brokerage engagement that may add a named endorsement pack. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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")

### Median Premium Versus Unpublished Placement Limits

TechInsurance says policyholders pay a median of $133 per month. USI cites a 2016 Chubb survey and an average private-company D&O claim cost of $450,000 but does not publish ExecuSafe limits, retentions or premiums. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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")

USI’s Technology practice separately reports a benchmarking case that reduced a software company’s D&O premium by more than $100,000 per year. That is a single company-reported outcome, not a median like TechInsurance’s $133 figure. [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

### Coverage Lists and Who Is Named

TechInsurance describes Side A, Side B and Side C, claims-made timing, and exclusions for criminal acts such as fraud or embezzlement. USI says D&O is meant to protect leadership because the corporate veil does not shield directors from personal liability. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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")

TechInsurance names employers with employees or stockholders, venture-backed startups and nonprofits. USI aims ExecuSafe at small- and medium-sized businesses and places D&O for software, hardware and communications clients from seed through IPO. Neither names the issuing insurer. USI directs inquiries by email; TechInsurance describes online quotes. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What to Confirm in D&O Insurance Quotes

- Confirm whether TechInsurance would bind standalone or as an endorsement, versus a USI ExecuSafe or Technology placement. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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")

- Treat $133 as TechInsurance’s median and USI’s $100,000 figure as one case study. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

- Confirm claims-made dates on the TechInsurance form. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

- Get the issuing insurer from both. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](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")

## Offering Details

| Criteria | TechInsurance Directors and Officers Insurance (D&O) | USI ExecuSafe Directors & Officers Liability Program |
| --- | --- | --- |
| Role in This Line | TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [7](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: ExecuSafe article's "How USI Can Help" section..) |
| Issuing Insurer | The reviewed page does not name the issuing insurer for a D&O policy. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) | USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. [7](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: Not publicly disclosed; scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23..) |
| Who It’s For | TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, Who needs D&O insurance coverage? section..) | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. [7](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") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) |
| Coverage Features | TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. [7](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: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) |
| Limits and Retentions | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. [7](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: Not publicly disclosed; scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data..) |
| Risk Services | Not described in the reviewed sources. | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) |
| How to Apply | Not described in the reviewed sources. | USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. [7](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") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages..) |

## Full Comparison

- [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [TechInsurance vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-usi/commercial-property)
- [TechInsurance vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/techinsurance-vs-usi/cyber)
- [TechInsurance vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-usi/employment-practices)
- [TechInsurance vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-usi/professional-errors-omissions)
- [TechInsurance vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-usi/workers-compensation)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/directors-officers)
- [Beazley vs USI Insurance Services D&O Insurance](https://spot.insure/compare/beazley-vs-usi/directors-officers)

## Sources

### TechInsurance

1. [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.
2. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
3. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.

### USI Insurance Services

4. [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.
5. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
6. [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.
7. [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; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
8. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... Accessed 2026-09-23.

### D&O Insurance Guide

9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. 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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