Travelers vs USI Insurance Services Professional Liability (E&O) Insurance

Travelers underwrites profession-specific E&O products placed through an agent; USI's flagship E&O offering is a CPA-specific broker program.

What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. ^1,^2,³

Read the Travelers profile

What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. ^6,^7,⁸

Read the USI Insurance Services profile

What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^12,^13,^14,¹⁵

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Underwriting Directly vs. Producing a Named Program

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. ⁴ USI, by contrast, is the endorsed producer of the AICPA Professional Liability Program through its USI Affinity division, rather than the underwriter, and separately brokers E&O for other business types through its general Business Services practice. ⁹

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. ⁴ USI's page names CNA as the underwriter of the AICPA program specifically. ⁹

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. ⁴ USI's AICPA program targets sole practitioners and regional CPA firms specifically, and has offered CPA coverage since 1967. ⁹

What to Confirm in Professional Liability (E&O) Insurance Quotes

If you're an accounting firm, ask both companies which product and named insurer applies to you. ⁴ ⁹
Ask Travelers which named product applies to your profession, and confirm the exact issuing entity. ⁴
Ask USI what risk-management resources, such as engagement-letter templates, come with the AICPA program. ⁹
Neither company's reviewed page publishes limits or retentions; ask both for specific figures. ⁴ ⁹

Offering Details

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)
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. ^4,⁵Company-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. ^9,¹¹Company-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. ⁴Company-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. ⁹Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.
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. ⁴Company-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. ⁹Company-reported. Program page description.
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. ⁴Company-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. ⁹Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.
Limits and Retentions	The reviewed E&O page does not publish limit or retention amounts for any of its professional-liability products. ⁴Not publicly disclosed. Errors-and-omissions page as read on 2026-09-23.	The AICPA program page does not publish limit, retention or premium figures; it says coverage plans allow a firm to tailor coverage to its risk profile. ⁹Not publicly disclosed. Page as read on 2026-09-23.
Risk Services	Not described in the reviewed sources.	USI says firms enrolled in the program get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates, in addition to the coverage itself. ⁹Company-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. ^4,⁵Company-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. ⁹Company-reported. Contact instructions on the AICPA program page.

Full Comparison

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Sources

Travelers

Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
Errors and Omissions Insurance (E&O). Travelers; What Is Errors and Omissions Coverage (E&O)?; Who needs errors and omissions insurance?; Select a product; Travelers Casualty and Surety Company of America and its property casualty affiliates footer. Accessed 2026-09-23.
Management and Professional Liability Insurance. Travelers; Errors & omissions (E&O) insurance description; Applications and forms for agents: management and professional liability applications. Accessed 2026-09-23.

USI Insurance Services

The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
Accountants Professional Liability — USI Affinity. 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.
USI Specialty Program Solutions. 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.
Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Errors & Omissions/Professional Liability... Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.