--- title: "USI Insurance Services Professional Liability (E&O) Insurance" description: "What USI Insurance Services Professional Liability (E&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/professional-errors-omissions" 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/professional-errors-omissions) # USI Insurance Services Professional Liability (E&O) Insurance AICPA Professional Liability Program (USI Affinity) 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. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page.) ## 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. [1](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.) ## 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. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description.) ## 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. [1](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.) ## Limits and Retentions - **Not publicly disclosed.** 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. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Scope: Page as read on 2026-09-23.) ## 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. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description.) ## 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. [1](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.) ## USI Insurance Services Professional Liability (E&O) Insurance Compared - [USI Insurance Services vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-usi/professional-errors-omissions) - [USI Insurance Services vs At-Bay](https://spot.insure/compare/at-bay-vs-usi/professional-errors-omissions) - [USI Insurance Services vs Beazley](https://spot.insure/compare/beazley-vs-usi/professional-errors-omissions) - [USI Insurance Services vs CFC](https://spot.insure/compare/cfc-vs-usi/professional-errors-omissions) - [USI Insurance Services vs Chubb](https://spot.insure/compare/chubb-vs-usi/professional-errors-omissions) - [USI Insurance Services vs Coalition](https://spot.insure/compare/coalition-vs-usi/professional-errors-omissions) ## 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 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 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: Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) ## Sources 1. [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. 2. [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. 3. [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. 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/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)