--- title: "USI Insurance Services Cyber Insurance" description: "What USI Insurance Services Cyber Insurance covers, who it’s for, and its limits and retentions, cited to USI Insurance Services’s own published sources." canonical: "https://spot.insure/insurance-providers/usi/cyber" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/usi/cyber) # USI Insurance Services Cyber Insurance USI PrivaSafe Cyber and Privacy Liability Program USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages.) ## Issuing Insurer - **Not publicly disclosed.** USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Scope: PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found.) ## Who It’s For - USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page marketing description, not an underwriting appetite statement.) ## Coverage Features - USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form.) ## Limits and Retentions - USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations.) ## Risk Services - USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Program page and property-casualty practice team description.) ## How to Apply - To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. [1](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description.) ## USI Insurance Services Cyber Insurance Compared - [USI Insurance Services vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-usi/cyber) - [USI Insurance Services vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-usi/cyber) - [USI Insurance Services vs At-Bay](https://spot.insure/compare/at-bay-vs-usi/cyber) - [USI Insurance Services vs Beazley](https://spot.insure/compare/beazley-vs-usi/cyber) - [USI Insurance Services vs CFC](https://spot.insure/compare/cfc-vs-usi/cyber) - [USI Insurance Services vs Chubb](https://spot.insure/compare/chubb-vs-usi/cyber) ## Other USI Insurance Services Coverage Lines - [USI Insurance Services Commercial Property Insurance](https://spot.insure/insurance-providers/usi/commercial-property) - [USI Insurance Services Crime Insurance](https://spot.insure/insurance-providers/usi/crime) - [USI Insurance Services D&O Insurance](https://spot.insure/insurance-providers/usi/directors-officers) - [USI Insurance Services Employee Health Benefits](https://spot.insure/insurance-providers/usi/employee-health-benefits) - [USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/insurance-providers/usi/employment-practices) - [USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/insurance-providers/usi/fiduciary) - [USI Insurance Services Management Liability Insurance](https://spot.insure/insurance-providers/usi/management-liability) - [USI Insurance Services Medical Malpractice Insurance](https://spot.insure/insurance-providers/usi/medical-malpractice) - [USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/usi/professional-errors-omissions) - [USI Insurance Services Representations and Warranties Insurance](https://spot.insure/insurance-providers/usi/representations-warranties) - [USI Insurance Services Surety Bonds](https://spot.insure/insurance-providers/usi/surety-bonds) - [USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/insurance-providers/usi/workers-compensation) ## Related - [USI Insurance Services Profile](https://spot.insure/insurance-providers/usi) - [USI Insurance Services Reliability](https://spot.insure/insurance-providers/usi/reliability) - [USI Insurance Services Alternatives](https://spot.insure/insurance-providers/usi/alternatives) - [Coverage Guide: Cyber liability](https://spot.insure/coverage/cyber) ## Sources 1. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy... Accessed 2026-09-23. 2. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe... Accessed 2026-09-23. 3. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/usi/cyber.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)