--- title: "USI Insurance Services D&O Insurance" description: "What USI Insurance Services D&O Insurance covers, who it’s for, and how to apply, cited to USI Insurance Services’s own published sources." canonical: "https://spot.insure/insurance-providers/usi/directors-officers" 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/directors-officers) # USI Insurance Services D&O Insurance USI ExecuSafe Directors & Officers Liability Program 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. [1](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section.) ## Issuing Insurer - **Not publicly disclosed.** 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. [1](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23.) ## 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. [1](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description.) ## 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. [1](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.) ## Limits and Retentions - **Not publicly disclosed.** 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. [1](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data.) ## 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. [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified.) ## 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. [1](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages.) ## USI Insurance Services D&O Insurance Compared - [USI Insurance Services vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers) - [USI Insurance Services vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers) - [USI Insurance Services vs Beazley](https://spot.insure/compare/beazley-vs-usi/directors-officers) - [USI Insurance Services vs CFC](https://spot.insure/compare/cfc-vs-usi/directors-officers) - [USI Insurance Services vs Chubb](https://spot.insure/compare/chubb-vs-usi/directors-officers) - [USI Insurance Services vs Coalition](https://spot.insure/compare/coalition-vs-usi/directors-officers) ## 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 Cyber Insurance](https://spot.insure/insurance-providers/usi/cyber) - [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: Directors and officers](https://spot.insure/coverage/directors-officers) ## Sources 1. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-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. 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: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23. 3. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability... 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/directors-officers.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)