What Is USI Insurance Services?
USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
Key Differences in Crime Insurance
Review versus direct policy offering
USI places crime coverage as a standalone line or reviews it within its ExecuSafe management-liability process. Zurich offers commercial crime insurance on a standalone basis or as a package solution. If USI is reviewing an existing policy, ask which gaps it found and whether it will seek replacement terms; with Zurich, identify the actual form and whether it is packaged. 4 8
Electronic fraud wording
Zurich describes computer fraud and funds-transfer fraud in terms of direct loss arising from specified computer use or fraudulent instructions to a financial institution. USI’s reviewed description identifies crime coverage for employee theft and related fraud but does not set out those transfer definitions. Buyers should ask USI to compare the placed policy’s terms against Zurich’s stated triggers, including vendor impersonation and funds moved from an account. 4 8
Broker services and prevention
USI describes classification and exposure reviews, claim advocacy and risk control across business-services coverage, and ExecuSafe checks existing crime coverage for gaps. Zurich describes a crime-specific vulnerability assessment with specialist recommendations. Ask USI what its gap review produces and Zurich whether assessment services come with the quote. 5 8
What to Confirm in Crime Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
USI Insurance Services
Review Score
1 rated source
USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.[4][6][8]
Read USI Insurance Services reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
USI Insurance Services vs Zurich U.S.: Crime Insurance: documented features by provider
| Criteria | USI Crime Insurance Brokerage | Zurich Commercial Crime Insurance |
|---|---|---|
| Role in This Line | USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. 4,5Company-reported. Business Services catalogue and ExecuSafe article. | Confirm in your quote. |
| Issuing Insurer | Neither page names the insurer USI uses for crime placements. 4Not publicly disclosed. Pages as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. 4Company-reported. Company description of client base. | Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. 8Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary. |
| Coverage Features | USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. 4,5Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. | Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. 8Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control. Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. 8Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms. |
| Limits and Retentions | Neither page publishes crime coverage limit or retention figures. 4Not publicly disclosed. Pages as read on 2026-09-23. | Confirm in your quote. |
| Risk Services | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. 4,5Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. | Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. 8Company-reported. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant. |
| How to Apply | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 4,5Company-reported. Contact instructions on each page. | Confirm in your quote. |
Full Comparison
More USI Insurance Services vs Zurich U.S. Comparisons
Other Crime Insurance Comparisons
Sources
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.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Crime... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). Accessed 2026-09-23.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
