--- title: "TechInsurance vs USI Insurance Services: D&O Insurance" description: "TechInsurance quotes D&O online, standalone or as an add-on to a general liability or business owner's policy, and cites a $133 median monthly premium. USI reviews your management-liability policies for gaps, adds its ExecuSafe endorsements for smaller businesses, and places tech-company D&O from seed through IPO." canonical: "https://spot.insure/compare/techinsurance-vs-usi/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "techinsurance-vs-usi" provider-a: "techinsurance" provider-b: "usi" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/techinsurance-vs-usi/directors-officers) ## Agent Guide **What this page is:** Focused comparison of TechInsurance and USI Insurance Services for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for D&O Insurance questions about TechInsurance versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - TechInsurance vs USI Insurance Services for D&O Insurance: how do they differ? - Which is better for D&O Insurance, TechInsurance or USI Insurance Services? - What does TechInsurance or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: TechInsurance and USI Insurance Services. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # TechInsurance vs USI Insurance Services: How Do They Compare for D&O Insurance? TechInsurance arranges D&O and explains how it can help with legal costs, while USI Insurance Services brokers for small and midsize businesses through local advisors. TechInsurance lets small companies quote D&O online, standalone or on a general liability or business owner's policy, at a published $133 median monthly premium, while USI is a broker that reviews your current cover and places tech D&O from seed to IPO. ## TechInsurance vs USI Insurance Services D&O Insurance Summary TechInsurance quotes D&O online, standalone or as an add-on to a general liability or business owner's policy, and cites a $133 median monthly premium. USI reviews your management-liability policies for gaps, adds its ExecuSafe endorsements for smaller businesses, and places tech-company D&O from seed through IPO. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ## What Are the Key Differences Between TechInsurance and USI Insurance Services D&O Insurance? ### Online Quote With a Price Benchmark vs a Broker Review TechInsurance targets employers with staff or stockholders, venture-backed startups and nonprofits, and publishes what D&O typically costs. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") USI publishes no ExecuSafe limits or premiums; its Technology practice handles software, hardware and communications companies and cites one benchmarking case it says cut a software company's D&O premium by over $100,000 a year. [2](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") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Choose TechInsurance if you're a small business that wants to quote online and knows roughly what to spend; choose USI if you want a broker to audit existing cover or you're a tech company heading toward IPO. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ### Published Policy Terms vs Risk Context TechInsurance explains Sides A, B and C, says the policy is claims-made (it responds only if active when the claim is made), and excludes criminal acts such as fraud or embezzlement. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") USI instead gives risk context: it cites a 2016 Chubb survey and an average private-company D&O claim of $450,000, and notes the corporate veil doesn't shield directors personally. [2](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") ## What Should You Confirm in TechInsurance and USI Insurance Services D&O Insurance Quotes? - Ask TechInsurance whether your D&O is standalone or an endorsement, and check the retroactive date on the claims-made form. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Treat the $133 median and USI's $100,000 savings case as reference points, not quotes. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") - Neither names an insurer; get the issuing insurer from both. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [2](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 vs USI Insurance Services D&O Insurance Compared | Criteria | TechInsurance Directors and Officers Insurance (D&O) | USI ExecuSafe Directors & Officers Liability Program | | --- | --- | --- | | 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. [1](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. [2](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") [3](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). [1](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..)

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. [1](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. [2](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..) | | 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. [1](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. [2](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..) | ## About TechInsurance and USI Insurance Services and D&O Insurance - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for TechInsurance vs USI Insurance Services D&O - [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) - [USI Insurance Services D&O Insurance](https://spot.insure/insurance-providers/usi/directors-officers) ## Sources for TechInsurance vs USI Insurance Services D&O Insurance ### Sources About TechInsurance 1. [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. ### Sources About USI Insurance Services 2. [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. 3. [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. 4. [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. Updated 2026-09-25. 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