---
title: "USI Insurance Services vs Zurich U.S.: Professional Liability (E&O) Insurance"
description: "USI’s AICPA program covers CPA firms against third-party financial-harm claims and includes risk resources; Zurich describes modular E&O for named professional classes."
canonical: "https://spot.insure/compare/usi-vs-zurich/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "usi-vs-zurich"
provider-a: "usi"
provider-b: "zurich"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/usi-vs-zurich/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of USI Insurance Services and Zurich U.S. for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about USI Insurance Services versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- USI Insurance Services vs Zurich U.S. for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, USI Insurance Services or Zurich U.S.?
- What does USI Insurance Services or Zurich U.S. publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from USI Insurance Services or Zurich U.S.?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: USI Insurance Services and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [USI Insurance Services vs Zurich U.S.](https://spot.insure/compare/usi-vs-zurich) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [USI Insurance Services vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/usi-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [USI Insurance Services vs Zurich U.S. Crime Insurance](https://spot.insure/compare/usi-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [USI Insurance Services vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/usi-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [USI Insurance Services vs Zurich U.S. D&O Insurance](https://spot.insure/compare/usi-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [USI Insurance Services vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/usi-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [USI Insurance Services vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/usi-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line)
- [USI Insurance Services vs Zurich U.S. Surety Bonds](https://spot.insure/compare/usi-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# USI Insurance Services vs Zurich U.S.: How Do They Compare for Professional Liability (E&O) Insurance?

USI’s AICPA program covers CPA firms against third-party financial-harm claims and includes risk resources; Zurich describes modular E&O for named professional classes.

## Research Scope and Use

Use this comparison to evaluate USI Insurance Services and Zurich U.S. for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

USI’s AICPA Professional Liability Program is designed for CPA firms, underwritten by CNA, and includes risk-management resources. Zurich describes modular E&O and admitted coverage in most states. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich 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](https://www.usi.com/about-usi "The Power of ONE") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [3](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## 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. [7](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [8](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

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

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### CPA Program Versus General E&O Suite

USI’s AICPA program covers CPA firms against third-party claims that professional services caused financial harm and provides a defense and covered damages. Zurich describes broader E&O for negligence, mistakes, and failure to deliver services, with target classes including technology, manufacturing, and third-party providers. A CPA firm should compare the dedicated program’s terms against Zurich’s proposed professional-services form. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance")

### Claims Support and Enrollment

USI says the AICPA program is underwritten by CNA and gives enrolled firms claims support plus risk resources such as engagement-letter templates; CPA firms contact USI Affinity for quotes or renewals. Zurich describes claims specialists and legal counsel coordination, but not the quote route in the reviewed record. Ask both for limits, enrollment steps, and the first claim contact. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance")

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

- Ask USI whether the AICPA/CNA program accepts your firm and what plan limits are available; ask Zurich for its CPA eligibility, quote path, and claims contact. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance")

## Offering Details

| Criteria | AICPA Professional Liability Program (USI Affinity) | Zurich Errors & Omissions / Professional Liability |
| --- | --- | --- |
| Role in This Line | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [6](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page..) | Confirm in your quote. |
| Issuing Insurer | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements..) | Confirm in your quote. |
| Who It’s For | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description..) | Zurich names technology, manufacturing and third-party service providers among targeted E&O classes. [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| Coverage Features | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form..) | Zurich says E&O can address professional-service negligence, mistakes or failure to deliver promised services, including defense costs, court fees, settlements and judgments. [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich’s Pro Plus is a modular suite of coverages in one policy; admitted E&O coverage is available in most states. [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| Limits and Retentions | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) | Confirm in your quote. |
| Risk Services | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description..) | Confirm in your quote. |
| How to Apply | 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. [4](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Contact instructions on the AICPA program page..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | Zurich describes E&O claims specialists and underwriters and says claims are reviewed under policy terms with legal counsel coordination. [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |

## Full Comparison

- [USI Insurance Services vs Zurich U.S.](https://spot.insure/compare/usi-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [USI Insurance Services vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/usi-vs-zurich/commercial-property)
- [USI Insurance Services vs Zurich U.S. Crime Insurance](https://spot.insure/compare/usi-vs-zurich/crime)
- [USI Insurance Services vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/usi-vs-zurich/cyber)
- [USI Insurance Services vs Zurich U.S. D&O Insurance](https://spot.insure/compare/usi-vs-zurich/directors-officers)
- [USI Insurance Services vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/usi-vs-zurich/employment-practices)
- [USI Insurance Services vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/usi-vs-zurich/management-liability)
- [USI Insurance Services vs Zurich U.S. Surety Bonds](https://spot.insure/compare/usi-vs-zurich/surety-bonds)
- [AIG vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-usi/professional-errors-omissions)
- [AIG vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-zurich/professional-errors-omissions)
- [Alliance Risk vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-usi/professional-errors-omissions)
- [Alliance Risk vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/professional-errors-omissions)
- [At-Bay vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-usi/professional-errors-omissions)
- [At-Bay vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-zurich/professional-errors-omissions)

## Sources

### USI Insurance Services

1. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
2. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
3. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
4. [Accountants Professional Liability — USI Affinity](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/). 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.
5. [USI Specialty Program Solutions](https://www.usi.com/programs/). 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.
6. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Errors & Omissions/Professional Liability.... Accessed 2026-09-23.

### Zurich U.S.

7. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
8. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
9. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.

### Professional Liability (E&O) Insurance Guide

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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.
11. [Professional liability insurance](https://www.iii.org/article/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.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## USI Insurance Services Reviews

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

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.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/usi-vs-zurich/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)