Travelers vs USI Insurance Services D&O Insurance

Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ⁴Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance 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. ⁸Company-reported. ExecuSafe article's "How USI Can Help" section.

The product page's video disclosures name Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁴Company-reported. Product page video legal footer.

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. ⁸Not publicly disclosed. ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23.

Travelers markets D&O coverage to private companies, public companies, financial institutions and nonprofit organizations with boards of directors, and offers a version specifically for nonprofit organizations. ⁴Company-reported. Product page "Who is D&O liability insurance right for?" section and nonprofit D&O video segment.

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. ^8,6Company-reported. ExecuSafe article eligibility framing and Technology practice client description.

Travelers says D&O insurance protects directors and officers from personal losses if sued by employees, vendors, customers or other parties, covering defense costs, settlements and other costs from wrongful-act allegations such as securities litigation, regulatory actions and breach-of-fiduciary-duty claims. ⁴Company-reported. Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued policy.

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. ⁸Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.

The reviewed page does not publish D&O limits, retentions or premiums; it references illustrative claim examples (settlements and defense costs from roughly $85,000 to over $1 million) as general risk context, not as policy terms. ⁴Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23.

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. ⁸Not publicly disclosed. Third-party statistic cited by USI to illustrate exposure, not USI's own placement data.

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. ⁶Company-reported. Single case study on the Technology practice page; company-reported outcome, not independently verified.

D&O coverage is bought through a Travelers independent agent. ⁴Company-reported. Product page "Find an insurance agent" call to action.

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. ^8,6,9Company-reported. Contact instructions on the ExecuSafe article and the Technology and Business Services pages.