TechInsurance vs USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?

CPA firms looking for the AICPA program, underwritten by CNA, go through USI Insurance Services; TechInsurance targets IT, software, SaaS and consulting firms and reports a median E&O cost of $88 a month.

TechInsurance discloses a median E&O premium of $88 a month across IT, cybersecurity, SaaS and other professional-services businesses, while USI's AICPA Professional Liability Program is a CPA-specific plan underwritten by CNA without a published premium figure. ^1,²

What Are the Key Differences Between TechInsurance and USI Insurance Services Professional Liability (E&O) Insurance?

A Broad Product vs. a Named CPA Program

TechInsurance targets professional-services and advice businesses broadly, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants. ¹ USI's most detailed E&O offering is the AICPA Professional Liability Program, run through its USI Affinity division specifically for CPA firms, which it has provided since 1994. ²

When comparing TechInsurance and USI Insurance Services, use the stated fit categories to rule either provider in or out before spending time on an application.

Published Cost vs. No Public Pricing

TechInsurance publishes a specific median premium for its E&O policyholders:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ¹Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

USI's AICPA program page does not publish limit, retention or premium figures for its CPA-specific plan, saying instead that a firm can tailor coverage to its risk profile. ²

Who Underwrites the Policy

TechInsurance's page does not name the issuing insurer for an E&O policy. ¹ USI's page names CNA as the underwriter of the AICPA program specifically, though its general Business Services practice, which brokers E&O for other business types, does not name an insurer. ²

What Should You Confirm in TechInsurance and USI Insurance Services Professional Liability (E&O) Insurance Quotes?

If you're a CPA firm, ask USI whether the AICPA program or its general Business Services E&O placement applies. ²
Ask TechInsurance how your industry, limit and claims history move you away from the published $88 monthly median. ¹
Ask USI for actual quoted premiums, since the AICPA program page publishes none. ²
Ask TechInsurance to name the insurer that would issue your policy, since its page doesn't disclose one. ¹

TechInsurance vs USI Insurance Services Professional Liability (E&O) Compared

TechInsurance vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider

Criteria	TechInsurance Errors and Omissions Insurance	AICPA Professional Liability Program (USI Affinity)
Who It’s For	TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ¹Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.	USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. ²Company-reported. Program page description.
Coverage Features	TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ¹Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ¹Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.	USI describes the policy as insuring a CPA and their practice against third-party claims that professional services caused financial harm, providing a defense and paying damages for covered claims arising from high-risk situations tied to new clients, changing business plans, or new laws and regulations. ²Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.
Role in This Line	TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ¹Company-reported. Errors and omissions product page.	For CPA firms, USI runs the AICPA Professional Liability Program through its USI Affinity division as the endorsed producer, rather than underwriting the policy itself. USI's general Business Services practice separately brokers errors and omissions/professional liability coverage for other business types. ^2,⁴Company-reported. AICPA program page and Business Services practice page.

Criteria

TechInsurance Errors and Omissions Insurance

AICPA Professional Liability Program (USI Affinity)

Who It’s For

TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ¹Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.

USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. ²Company-reported. Program page description.

Coverage Features

TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ¹Company-reported. Errors and omissions product page; general policy description, not a specific policy form.

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ¹Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.

USI describes the policy as insuring a CPA and their practice against third-party claims that professional services caused financial harm, providing a defense and paying damages for covered claims arising from high-risk situations tied to new clients, changing business plans, or new laws and regulations. ²Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.

Role in This Line

TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ¹Company-reported. Errors and omissions product page.

For CPA firms, USI runs the AICPA Professional Liability Program through its USI Affinity division as the endorsed producer, rather than underwriting the policy itself. USI's general Business Services practice separately brokers errors and omissions/professional liability coverage for other business types. ^2,⁴Company-reported. AICPA program page and Business Services practice page.