---
title: "TechInsurance vs USI Insurance Services: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/techinsurance-vs-usi/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "techinsurance-vs-usi"
provider-a: "techinsurance"
provider-b: "usi"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of TechInsurance and USI Insurance Services for Professional Liability (E&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 Professional Liability (E&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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, TechInsurance or USI Insurance Services?
- What does TechInsurance or USI Insurance Services publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 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 publishes a median premium across many professions; USI's flagship E&O program is CPA-specific and doesn't publish a price.

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

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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

## 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

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. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

### Who Underwrites the Policy

TechInsurance's page does not name the issuing insurer for an E&O policy. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")

## 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")
- Ask TechInsurance how your industry, limit and claims history move you away from the published $88 monthly median. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Ask USI for actual quoted premiums, since the AICPA program page publishes none. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity")
- Ask TechInsurance to name the insurer that would issue your policy, since its page doesn't disclose one. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")

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

| 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. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: 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. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)<br><br>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. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: 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. [1](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [4](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page..) |

## About TechInsurance and USI Insurance Services

- [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 Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for TechInsurance vs USI Insurance Services

- [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions)
- [USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/usi/professional-errors-omissions)

## Sources for TechInsurance vs USI Insurance Services

### Sources About TechInsurance

1. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.

### Sources About USI Insurance Services

2. [Accountants Professional Liability — USI Affinity](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/). USI Insurance Services; Quality Professional Liability Insurance Exclusively for CPA Firms; "The AICPA Professional Liability Program, underwritten by CNA, has been offering coverage to CPAs since 1967 and has been the endorsed provider of the AICPA Program since 1994."; supportive claims handling and exclusive access to extensive risk management resources, including engagement letter templates; Email Affinity_APL@usi.com. Accessed 2026-09-23.
3. [USI Specialty Program Solutions](https://www.usi.com/programs/). USI Insurance Services; USI Affinity delivers high-quality insurance and financial solutions to members of affinity organizations and targeted industry segments...for professional associations, law firms, alumni and collegiate organizations, travel groups, and insurance administrators.. 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...Errors & Omissions/Professional Liability.... Accessed 2026-09-23.

Updated 2026-09-25. 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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