USI Insurance Services vs 
Zurich U.S.: How Do They Compare for Management Liability Insurance?
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 Management 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 Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 9,10,11,12,13,14
Key Differences in Management Liability Insurance
How Coverage Is Assembled
USI brokers D&O, EPLI, fiduciary, and crime coverage together through its ExecuSafe endorsement program, and says it reviews existing policies for gaps. Zurich describes a coordinated suite aligning D&O, employee, fiduciary, and crime exposures. If you already carry separate policies, ask USI what ExecuSafe changes; ask Zurich how its coordinated approach affects policy structure and renewal. 4 4 8
Intended Organization and Contact
USI targets small and medium businesses and directs them to email its Select Business team about ExecuSafe. Zurich names public, private, and nonprofit companies as its intended organizations but the reviewed record does not describe the initial quote channel. Buyers can compare USI’s guided broker discussion with Zurich’s suite by requesting the same coverage parts and limits from both. 4 4 8
What to Confirm in Management 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.: Management Liability Insurance: documented features by provider
| Criteria | USI ExecuSafe Management Liability Program | Zurich Management Liability |
|---|---|---|
| Role in This Line | USI brokers management liability as a bundle rather than underwriting it, packaging D&O, employment practices liability, fiduciary liability and crime coverage under its ExecuSafe endorsement program. 4Company-reported. ExecuSafe article. | Confirm in your quote. |
| Issuing Insurer | USI does not name the insurer for ExecuSafe or its component coverages on the pages reviewed; it describes ExecuSafe as an endorsement package it applies when placing a client's management liability program with the market. 4Not publicly disclosed. Article and Business Services page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | USI targets small- and medium-sized businesses that it says often lack the time, resources or expertise to evaluate D&O and related management liability risks on their own. 4Company-reported. ExecuSafe article's stated audience. | Zurich says the management-liability suite is designed for public, private and nonprofit companies. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; management liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | USI describes ExecuSafe as addressing a company's D&O and management liability risks together, and separately lists D&O, employment practices liability, fiduciary liability, crime, and errors and omissions/professional liability as coverages its Business Services practice places. 4,5Company-reported. Combines the ExecuSafe article's framing with the Business Services catalogue; actual insuring agreements and exclusions are set by the issued policy. | Zurich says Management Liability includes D&O, EPLI, fiduciary liability and crime exposures that traditional CGL does not usually address. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; management liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | Neither the ExecuSafe article nor the Business Services page publishes limit, retention or premium figures for a management liability bundle. 4,5Not publicly disclosed. Pages as read on 2026-09-23. | Confirm in your quote. |
| Risk Services | USI says it works with businesses to identify D&O and related management liability risks, review any existing policies for coverage gaps, and secure coverage through ExecuSafe, on top of its Business Services practice's general claim advocacy and risk-control offerings. 4,5Company-reported. ExecuSafe article's "How USI Can Help" section and Business Services practice description. | Zurich describes a coordinated approach aligning interconnected D&O, employee, fiduciary and crime risks. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; management 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 small- and medium-sized businesses to email Select.Business@usi.com to discuss ExecuSafe and management liability risk generally. 4Company-reported. Contact instructions on the ExecuSafe article. | Confirm in your quote. |
Full Comparison
More USI Insurance Services vs Zurich U.S. Comparisons
Other Management 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.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; How USI Can Help: Identify D&O risks; Review existing management liability policies (if any)...(including employment practices liability, fiduciary liability, and crime); Secure appropriate coverage through our ExecuSafe program. Accessed 2026-09-23.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability, Employment Practices Liability, Crime, Fiduciary Liability, Errors & Omissions/Professional 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.
Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
