How Reliable Is USI Insurance Services?
USI Insurance Services reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
5.3/ 10This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 100.0%normalized | 2.1 / 4 | [1][8][6][7][2][3][10][9][11][4][5] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Broker. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.
Legal Identity
USI's reviewed materials identify USI Insurance Services LLC as the brokerage and risk-consulting entity. Aon announced an agreement to acquire USI on August 31, 2026, while stating USI would operate independently until an expected fourth-quarter close; the announcement is ownership context, not evidence that the transaction had closed.[1][8]
Licensing
Financial Strength
Risk Bearing
USI describes licensed-producer activity, insurer-paid commissions, contingent compensation and placement of property-casualty and technology coverages. The reviewed sources do not identify an issuing carrier, underwriting authority, admitted or surplus-lines status or reinsurance terms for a particular policy; USI is treated as broker.[2][3]
One USI programme names its underwriter. USI’s accountants’ professional liability page states that “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,” and directs buyers to USI Affinity for quotes and renewals. That identifies a carrier (CNA), a programme (the AICPA Professional Liability Program), a scope (professional liability for CPA firms) and a long-running endorsement, all disclosed by USI. It establishes nothing about the insurer for any other USI line.[10]
USI’s programme platform is named and describes delegated authority without naming the carriers granting it. Its programmes page states that USI delivers programme business through USI Affinity and Innovation Growth Partners, and that IGP Specialty offers “specialty underwriting programs, nationwide wholesale brokerage, and contract binding authority.” IGP Specialty’s own site describes “25+ standout, competitive specialty programs,” wholesale “backed by a vast network of carrier partners” and contract binding “powered by top-rated carriers,” and states that it was formed from U.S. Risk, a national specialty lines underwriting manager and wholesale broker, and Safehold Special Risk, a national program business. Contract binding authority is a capacity relationship, but no insurer granting it is named.[9][11]
Outside the AICPA programme, no reviewed USI source identifies an insurer for a property-casualty, technology, executive or employee-benefit placement, and the CNA evidence sits within USI Affinity rather than the general commercial brokerage that most of this assessment covers. No carrier-published record of a USI appointment was located in this research.[10][9]
Claims Service
Regulatory Record
Evidence gaps
- California license 0G11911 remains company-reported pending direct regulator confirmation.
- No complete state-by-state producer authority inventory was completed.
- No quote-specific issuing carrier, underwriting authority, admitted or surplus-lines status or reinsurance terms were collected.
- No standalone USI statutory financial evidence or current carrier-specific AM Best action was collected.
- No completed five-year conduct result is available.
- Claims guidance is dated May 2021 and independent service outcomes were not reviewed.
- USI names CNA only for the AICPA Professional Liability Program placed through USI Affinity; no insurer is named for USI’s general property-casualty, technology, executive or employee-benefit placements.
- The carriers granting IGP Specialty’s contract binding authority and supporting its specialty programmes are not identified, and the share of USI’s book placed through them is not disclosed.
- No carrier-published directory, appointment record or regulator appointment listing confirming a USI carrier appointment was located in this research.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 CaliforniaCalifornia Department of Insurance | Source inaccessible[7] | Current USI authority for 0G11911 is not independently established from the California regulator route; this is not a no-license or clean-record finding. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
Sources
- The Power of ONE. USI Insurance Services; USI history, service lines, nationwide office description and commercial risk-consulting overview. Accessed 2026-09-21.
- Commissions and Fees. USI Insurance Services; Licensed-producer role, insurer-paid commission default, contingent compensation and client information-request right. Accessed 2026-09-21.
- Technology Insurance. USI Insurance Services; Technology practice and placement lines including privacy, cyber, E&O and D&O. Accessed 2026-09-21.
- P&C Insurance and Risk Consulting. USI Insurance Services; P&C risk exposures, claim advocates and client inquiry route. Accessed 2026-09-21.
- Client Emergency Preparedness Claims Kit. USI Insurance Services; Claims-reporting table updated May 2021; insurer and USI account-team reporting routes. Accessed 2026-09-21.
- USI Insurance Services LLC Associate Biography. USI Insurance Services; Company-produced biography naming USI Insurance Services LLC and California DOI License 0G11911. Accessed 2026-09-21.
- California License Number Search. California Department of Insurance; California producer-license route for USI and 0G11911; current authority not independently established. Accessed 2026-09-21.
- Aon to Acquire USI to Establish the Premier U.S. Middle-Market Platform. Aon plc via PR Newswire; August 31, 2026 announcement; USI to operate independently until expected Q4 2026 close. Accessed 2026-09-21.
- USI Specialty Program Solutions. USI Insurance Services; USI Affinity and Innovation Growth Partners (IGP Specialty) sections, including “specialty underwriting programs, nationwide wholesale brokerage, and contract binding authority”. Accessed 2026-09-22.
- Accountants Professional Liability. USI Insurance Services; Opening paragraph: “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”; USI Affinity contact panels. Accessed 2026-09-22.
- IGP Specialty. Innovation Growth Partners; “Our Solutions” panels for Programs, Wholesale and Contract Binding, and the “IGP Specialty Launches Under a Bold New Brand” news item naming U.S. Risk and Safehold Special Risk. Accessed 2026-09-22.
