GeneralAverage

Counterpart vs USI Insurance Services: How Do They Compare for Business Insurance?

Counterpart describes quote entry whose binding route remains unclear; USI Insurance Services describes broker-contact inquiry. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.

Introduction to the Counterpart vs USI Insurance Services Comparison

Counterpart and USI Insurance Services describe different quote routes: quote entry whose binding route remains unclear and broker-contact inquiry. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 27

Buyer Takeaways for Counterpart vs USI Insurance Services

Counterpart Buyer Takeaways

  • Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. 1,9,10,11,12,13,14,15,16,17Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.
  • Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

USI Insurance Services Buyer Takeaways

  • USI’s Technology practice says it serves software, hardware and related companies from seed stage through IPO. 19,27,38Company-reported. Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.
  • USI says insurer commissions are typical and additional contingent compensation may apply; buyers can request details. 25Company-reported. USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.

Counterpart vs USI Insurance Services Coverage Lines Compared

CoverageCounterpartUSI Insurance Services
Cargo and transitNot listedListed 27USI arranges cargo and transit insurance.
Commercial autoNot listedListed 26,28USI arranges commercial auto insurance.
Commercial propertyNot listedListed 27,26USI arranges commercial property insurance.
CrimeListed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.Listed 28USI arranges crime insurance.
Cyber liabilityNot listedListed 27,32,26USI arranges cyber insurance.
Directors and officersListed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement.Listed 27,28USI arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 31USI advises employers on health-plan design, medical costs, pharmacy and benefits administration.
Employment practices liabilityListed 11Named Employment Practices Liability product; examples and policy terms govern.Listed 28USI arranges employment practices liability insurance.
Fiduciary liabilityListed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.Listed 28USI arranges fiduciary liability insurance.
General liabilityListed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.Listed 26,28USI arranges general liability insurance.
Kidnap and ransomNot listedListed 28USI arranges kidnap and ransom insurance.
Management liabilityNot listedListed 28USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance.
Medical malpracticeListed 15Allied healthcare liability for named classes; not universal conventional malpractice.Listed 30USI arranges medical malpractice insurance.
Product liabilityNot listedListed 27,26USI arranges product liability insurance.
Professional errors and omissions (E&O)Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions.Listed 28USI arranges professional errors and omissions insurance.
Representations and warrantiesNot listedListed 29USI arranges representations and warranties insurance.
Surety bondsNot listedListed USI arranges contract, commercial and international surety bonds.
Technology errors and omissions (E&O)Not listedListed 27USI arranges technology errors and omissions insurance.
Umbrella and excess liabilityNot listedListed 26,28USI arranges umbrella and excess liability.
Workers’ compensationNot listedListed 26,28USI arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Counterpart vs USI Insurance Services Research by Coverage Line

Open what Counterpart and USI Insurance Services each document for one coverage line.

Current Reliability Scores for Counterpart and USI Insurance Services

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Counterpart and USI Insurance Services Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Counterpart Review Score

-/ 10

Review Score

No reviews found

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.

Read Counterpart reviews

USI Insurance Services Review Score

6.4/ 10

Review Score

1 rated source

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.

Read USI Insurance Services reviews

Key Differences Between Counterpart and USI Insurance Services

Business Fit and Roles

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. 19,18,25,38Company-reported. Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.

The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 USI Insurance Services's published material says: USI says it has served over 500,000 clients nationwide and positions itself as a middle-market brokerage and consulting firm. 19 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.

The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 19

Getting a Quote

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. 27,26,22,34Company-reported. Public inquiry paths as of access date. Not an application completeness or speed claim.

The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 27

Service After Binding

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. 20,27,26Company-reported. Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.

Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 20

What Should You Confirm in Counterpart and USI Insurance Services Quotes?

  • Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 19

  • Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 27

  • For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 20

Counterpart vs USI Insurance Services Services Compared

What each provider documents about the services you may need

CriteriaCounterpartUSI Insurance Services
Business role

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. 19,18,25,38Company-reported. Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.

USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. 25,24,39Company-reported. Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.

On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. 38Company-reported. Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.

Application process

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. 27,26,22,34Company-reported. Public inquiry paths as of access date. Not an application completeness or speed claim.

Servicing and renewals

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. 20,27,26Company-reported. Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.

USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. 35,18Company-reported. Risk-control tool as marketed. Access for a given client is not specified on the public pages.

Sources for Counterpart vs USI Insurance Services

Counterpart Official Website

  1. Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
  2. About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
  3. Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
  4. Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
  5. Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
  6. How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
  7. What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
  8. Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
  9. Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
  10. Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
  11. Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
  12. Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
  13. Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
  14. Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
  15. Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
  16. Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
  17. Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.

USI Insurance Services Official Website

  1. Insurance Brokerage and Consulting. USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
  2. The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
  3. The USI ONE Advantage. USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
  4. Find a USI office near you. USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
  5. Contact Us. USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
  6. Disclaimer. USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
  7. Privacy. USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
  8. Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
  9. P&C Insurance and Risk Consulting. USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
  10. Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
  11. Business Services. USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
  12. Private Equity. USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
  13. Healthcare. USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
  14. Employee Benefits. USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
  15. USI Exclusive PrivaSafe. USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16.
  16. Protect Your Organization From Increasing Third-Party Cyber Exposures. USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
  17. Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
  18. Reduce Claims and Costs by Optimizing Your Risk Control. USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
  19. Client Emergency Preparedness Claims Kit. USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
  20. Natural Disaster Planning. USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
  21. Aon to acquire USI to establish the premier U.S. middle-market platform. Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
  22. USI Insurance Services LLC associate biography (San Francisco). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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