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
Read the USI Insurance Services profile
Read the USI Insurance Services Employment Practices Liability Insurance page
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 Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 9,10,11
Key Differences in Employment Practices Liability Insurance
Broker review and workplace resources
USI says its ExecuSafe process checks existing EPL coverage for gaps and its Business Services practice provides classification and exposure reviews, claim advocacy, and contract review. Zurich lists workplace-law resources, training, an employment hotline, sample policies, and checklists, though some portal services may cost extra. USI’s described work evaluates the program and supports claims; Zurich’s list gives employers practical HR resources. Ask what USI includes in a review and which Zurich services are included in the premium. 5 8
Buyer profile and contact path
USI names building and maintenance, repair service, janitorial, staffing, and printing companies as business-services clients and also targets small and medium businesses for ExecuSafe. Zurich highlights broad employee definitions and optional endorsements without naming those sectors. USI routes prospects to a practice email or local office, while Zurich’s offering page does not specify an EPL application path. Employers should identify which USI practice will handle placement and ask Zurich how to start a quote. 4 8
What to Confirm in Employment Practices Liability 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.: Employment Practices Liability Insurance: documented features by provider
| Criteria | USI Employment Practices Liability Brokerage | Zurich Employment Practices Liability Insurance |
|---|---|---|
| Role in This Line | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program 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 EPL 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 EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. 4,5Company-reported. Company description of client segments for each source. | Confirm in your quote. |
| Coverage Features | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. 4,5Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. | Zurich EPLI can address defense costs, judgments and settlements for employment-related allegations including discrimination, harassment, retaliation, wrongful termination and failure to hire/promote. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | Neither page publishes EPL limit or retention figures. 4Not publicly disclosed. Pages as read on 2026-09-23. | Zurich identifies a broad employee definition, third-party coverage availability, worldwide territory where legally permissible and optional endorsements. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. 4,5Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. | Zurich EPLI customers can access workplace-law resources, training, an employment hotline, sample policies and checklists; the page says some portal services may cost extra. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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 Employment Practices Liability 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...Employment Practices Liability... 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.
- Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
