Travelers vs 
USI Insurance Services: How Do They Compare for Professional Liability (E&O) Insurance?
Accounting practices choose USI Insurance Services for the CNA-underwritten AICPA program; Travelers offers separate profession-based E&O products, including accountants, lawyers and design professionals, through independent agents.
Travelers sells profession-specific E&O through agents; USI offers a CPA-focused AICPA program with accounting-specific support and templates. 1,2,3
What Are the Key Differences Between Travelers and USI Insurance Services Professional Liability (E&O) Insurance?
Agent-Sold Products Versus CPA Program
Travelers lists separate policies for accountants, lawyers, real estate professionals and other occupations, with placement through independent agents. 1 USI's AICPA program serves CPA firms and includes claims support and engagement-letter templates. 3
Who Underwrites the Policy
Travelers' E&O page footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, though it also states the material does not amend any issued policy, so the exact issuing entity depends on the product placed. 1 USI's page names CNA as the underwriter of the AICPA program specifically. 3
Who Each Company Targets
Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals and financial institutions. 1 USI's AICPA program targets sole practitioners and regional CPA firms specifically, and has offered CPA coverage since 1967. 3
What Should You Confirm in Travelers and USI Insurance Services Professional Liability (E&O) Insurance Quotes?
- If you're an accounting firm, ask both companies which product and named insurer applies to you. 1 3
- Ask Travelers which named product applies to your profession, and confirm the exact issuing entity. 1
- Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. 3
- Neither company's reviewed page publishes limits or retentions; ask both for specific figures. 1 3
Travelers vs USI Insurance Services Professional Liability (E&O) Compared
Travelers vs USI Insurance Services: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Travelers Errors and Omissions Insurance | AICPA Professional Liability Program (USI Affinity) |
|---|---|---|
| Who It’s For | Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. 1Company-reported. Product-selection list on the E&O page. | 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. 3Company-reported. Program page description. |
| How to Apply | Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. 1,2Company-reported. E&O page CTA and video transcript. | USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated Affinity_APL@usi.com address for the AICPA program specifically. 3Company-reported. Contact instructions on the AICPA program page. |
| Coverage Features | Travelers describes E&O as covering the costs of client allegations of inadequate work, negligent actions or failure to meet the expected level of service, including legal defense and settlement costs, and says coverage can be customized to the risks of a specific profession. 1Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued. | 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. 3Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form. |
| Role in This Line | Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. 1,2Company-reported. E&O and management-liability product pages, as read on 2026-09-23. | 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. 3,5Company-reported. AICPA program page and Business Services practice page. |
| Issuing Insurer | The E&O page's footer names Travelers Casualty and Surety Company of America and its property-casualty affiliates, but Travelers also states the material does not amend any issued policy, so the exact issuing entity for a given E&O product depends on the policy. 1Company-reported. Footer disclosure on the errors-and-omissions page. | USI's own page states that the AICPA Professional Liability Program is "underwritten by CNA," naming the carrier for that specific program. USI's general Business Services E&O placements do not name an insurer. 3Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements. |
