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 Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
Key Differences in D&O Insurance
Broker review and claims support
USI says it helps clients identify D&O exposures, reviews existing management-liability policies for gaps, and places coverage through options including its ExecuSafe endorsement package. Zurich says every member of its D&O claims team is an attorney with litigation and global-exposure knowledge. USI’s stated role focuses on finding and structuring coverage before binding; Zurich describes expertise available when a claim is handled. Buyers should compare the broker’s review process with the carrier’s claims contact and escalation path. 4 8
Different routes for business size and sector
USI targets small and medium businesses through ExecuSafe and separately places technology-company D&O from seed stage through IPO. Zurich lists coverage options for public, private, and nonprofit organizations, including IPOs. A small business can ask USI how the package handles its limits and related management lines; a technology company should clarify which USI practice will manage placement. Zurich buyers should confirm which listed organization option fits their particular industry. 4 2 8
What to Confirm in D&O 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.: D&O Insurance: documented features by provider
| Criteria | USI ExecuSafe Directors & Officers Liability Program | Zurich Directors and Officers Liability Insurance |
|---|---|---|
| Role in This Line | 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. 4Company-reported. ExecuSafe article's "How USI Can Help" section. | Confirm in your quote. |
| Issuing Insurer | 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. 4Not publicly disclosed. ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 4,2Company-reported. ExecuSafe article eligibility framing and Technology practice client description. | Zurich lists coverage options for publicly traded, private and nonprofit companies, including IPOs. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | 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. 4Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy. | Zurich D&O can help protect directors’ and officers’ personal assets and address covered company legal fees and costs. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | 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. 4Not publicly disclosed. Third-party statistic cited by USI to illustrate exposure, not USI's own placement data. | Confirm in your quote. |
| Risk Services | 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. 2Company-reported. Single case study on the Technology practice page; company-reported outcome, not independently verified. | Confirm in your quote. |
| How to Apply | 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. 4,2,5Company-reported. Contact instructions on the ExecuSafe article and the Technology and Business Services pages. | Confirm in your quote. |
| Claims Support | Confirm in your quote. | Zurich says every member of its D&O claims team is an attorney with current-litigation and global-exposure knowledge. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Full Comparison
More USI Insurance Services vs Zurich U.S. Comparisons
Other D&O 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; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability... 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.
- Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
