--- title: "Travelers vs USI" description: "Travelers offers agent-sold commercial policies; USI can compare Travelers with other insurers in a broker-led program." canonical: "https://thegeneralaverage.com/compare/travelers-vs-usi" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "travelers-vs-usi" provider-a: "travelers" provider-b: "usi" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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://thegeneralaverage.com/compare/travelers-vs-usi) ## Agent Guide **What this page is:** Side-by-side comparison of Travelers and USI as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Travelers and USI differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Travelers and USI compare? - Which is better for business insurance, Travelers or USI? - Does Travelers or USI offer the coverage lines I need? - What service and claims differences are documented between Travelers and USI? **Key facts:** - Providers compared: Travelers and USI. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 32 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Travelers profile](https://thegeneralaverage.com/insurance-providers/travelers) — provider profile (evidence for this comparison) - [USI profile](https://thegeneralaverage.com/insurance-providers/usi) — provider profile (evidence for this comparison) - [Travelers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cargo-transit) — one provider's documented offering for a shared coverage line - [USI Insurance Services Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/usi/cargo-transit) — one provider's documented offering for a shared coverage line - [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) — one provider's documented offering for a shared coverage line - [USI Insurance Services Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-auto) — one provider's documented offering for a shared coverage line - [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) — one provider's documented offering for a shared coverage line - [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property) — one provider's documented offering for a shared coverage line - [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) — one provider's documented offering for a shared coverage line - [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/crime) — one provider's documented offering for a shared coverage line - [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) — one provider's documented offering for a shared coverage line - [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber) — one provider's documented offering for a shared coverage line - [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) — one provider's documented offering for a shared coverage line - [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) — one provider's documented offering for a shared coverage line - [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) — one provider's documented offering for a shared coverage line - [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/employment-practices) — one provider's documented offering for a shared coverage line - [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) — one provider's documented offering for a shared coverage line - [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/fiduciary) — one provider's documented offering for a shared coverage line - [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) — one provider's documented offering for a shared coverage line - [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability) — one provider's documented offering for a shared coverage line - [Travelers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/travelers/kidnap-ransom) — one provider's documented offering for a shared coverage line - [USI Insurance Services Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/usi/kidnap-ransom) — one provider's documented offering for a shared coverage line - [Travelers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/management-liability) — one provider's documented offering for a shared coverage line - [USI Insurance Services Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/management-liability) — one provider's documented offering for a shared coverage line - [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Travelers Surety Bonds](https://thegeneralaverage.com/insurance-providers/travelers/surety-bonds) — one provider's documented offering for a shared coverage line - [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds) — one provider's documented offering for a shared coverage line - [Travelers Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) — one provider's documented offering for a shared coverage line - [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/umbrella-excess) — one provider's documented offering for a shared coverage line - [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation) — one provider's documented offering for a shared coverage line - [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) — sibling comparison - [AIG vs USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) — sibling comparison - [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) — sibling comparison - [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) — sibling comparison - [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) — sibling comparison - [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) — sibling comparison - [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) — sibling comparison - [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) — sibling comparison - [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) — sibling comparison - [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) — sibling comparison - [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) — sibling comparison - [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) — sibling comparison - [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) — sibling comparison - [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) — sibling comparison - [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) — sibling comparison - [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) — sibling comparison - [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) — sibling comparison - [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) — sibling comparison - [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) — sibling comparison - [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) — sibling comparison - [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) — sibling comparison - [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) — sibling comparison - [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) — sibling comparison - [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) — sibling comparison - [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) — sibling comparison - [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) — sibling comparison - [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) — sibling comparison - [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) — sibling comparison - [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) — sibling comparison - [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) — sibling comparison - [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) — sibling comparison - [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) — sibling comparison - [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) — sibling comparison - [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) — sibling comparison - [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) — sibling comparison - [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) — sibling comparison - [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) — sibling comparison - [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) — sibling comparison # Travelers vs USI Insurance Services: How Do They Compare for Business Insurance? Travelers offers agent-sold commercial policies; USI can compare Travelers with other insurers in a broker-led program. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Travelers vs USI Insurance Services in Brief Travelers sells commercial and technology policies through agents; USI can compare Travelers with other insurers and coordinate a broader program. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://www.usi.com/about-usi "The Power of ONE") ## Travelers and USI Insurance Services Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Travelers Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **6.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates The Travelers Indemnity Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a financial statement. Standalone statutory figures for the named insurers were not collected and the other financial evidence describes the consolidated group, so the issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/travelers/reliability). ### USI Insurance Services Reliability Scores Role: Broker. Broker Reliability Score: **5.3/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/usi/reliability). ## Travelers Review Scores for 2026 Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/travelers/reviews). ## USI Insurance Services Review Scores for 2026 Review Score: 6.4 / 10 from 1 rated source, equally weighted. 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. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/usi/reviews). ## An Overview of Travelers and USI Insurance Services If you want Travelers, start with a producer: its agent locator routes buyers to someone who can submit the account. USI is one brokerage option, but its proposal only uses Travelers if it names a Travelers policy; USI can also approach other markets. Compare the insurers approached, proposed forms and commissions before deciding whether the broader search adds value. [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [36](https://www.usi.com/contact-us/ "Contact Us") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") Choose Travelers through an agent for its CyberRisk Tech coverage; choose USI when you want a broker to compare multiple insurers. ## What Stands Out About Travelers and USI Insurance Services? ### Travelers at a Glance - Startups and established tech companies can explore CyberRisk Tech, which can combine cyber and technology E&O. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [4](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) - Buy through an independent agent; many small accounts can be quoted and issued in an agent platform, while specialty technology risks need underwriting. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) ### USI Insurance Services at a Glance - USI’s Technology practice says it serves software, hardware and related companies from seed stage through IPO. [33](https://www.usi.com/about-usi "The Power of ONE") [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [52](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) - USI says insurer commissions are typical and additional contingent compensation may apply; buyers can request details. [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) ## Travelers vs USI Insurance Services Coverage Lines Compared | Coverage Type | Travelers | USI Insurance Services | | --- | --- | --- | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: Travelers offers business owner’s policies for small technology-services businesses. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | Not listed | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: Travelers offers cargo insurance through its transportation, cargo and logistics offering. [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | Listed: USI arranges cargo and transit insurance. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: Travelers offers commercial auto insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed: USI arranges commercial auto insurance. [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Travelers offers commercial property insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed: USI arranges commercial property insurance. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Travelers offers commercial crime insurance. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | Listed: USI arranges crime insurance. [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Listed: USI arranges cyber insurance. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Travelers offers directors and officers liability insurance. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | Listed: USI arranges directors and officers liability insurance. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Not listed | Listed: USI advises employers on health-plan design, medical costs, pharmacy and benefits administration. [45](https://www.usi.com/employee-benefits "Employee Benefits") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Travelers offers employment practices liability insurance. [11](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | Listed: USI arranges employment practices liability insurance. [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Listed: Travelers offers equipment breakdown insurance. [15](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | Not listed | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: Travelers offers ERISA fidelity bonds. [14](https://www.travelers.com/surety-bond "Surety Bonds") [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | Not listed | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Travelers offers fiduciary liability insurance. [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | Listed: USI arranges fiduciary liability insurance. [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Travelers offers general liability insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed: USI arranges general liability insurance. [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: Travelers offers kidnap and ransom insurance. [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [19](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | Listed: USI arranges kidnap and ransom insurance. [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Travelers offers management liability insurance. [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | Listed: USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance. [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Not listed | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Not listed | Listed: USI arranges medical malpractice insurance. [44](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Not listed | Listed: USI arranges product liability insurance. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Travelers offers professional errors and omissions insurance. [27](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | Listed: USI arranges professional errors and omissions insurance. [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Not listed | Listed: USI arranges representations and warranties insurance. [43](https://www.usi.com/property-casualty/private-equity "Private Equity") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Travelers offers surety bonds. [14](https://www.travelers.com/surety-bond "Surety Bonds") | Listed: USI arranges contract, commercial and international surety bonds. | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Listed: USI arranges technology errors and omissions insurance. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Listed: Travelers offers inland marine insurance. [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | Not listed | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Travelers offers commercial umbrella and excess liability insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [26](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | Listed: USI arranges umbrella and excess liability. [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Travelers offers workers’ compensation insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | Listed: USI arranges workers’ compensation insurance. [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") | 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. ## Travelers and USI Insurance Services Coverage, Line by Line - [Travelers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cargo-transit) - [USI Insurance Services Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/usi/cargo-transit) - [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) - [USI Insurance Services Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-auto) - [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) - [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property) - [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) - [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/crime) - [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) - [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber) - [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) - [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) - [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) - [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/employment-practices) - [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) - [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/fiduciary) - [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) - [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability) - [Travelers Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/travelers/kidnap-ransom) - [USI Insurance Services Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/usi/kidnap-ransom) - [Travelers Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/management-liability) - [USI Insurance Services Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/management-liability) - [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) - [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions) - [Travelers Surety Bonds](https://thegeneralaverage.com/insurance-providers/travelers/surety-bonds) - [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds) - [Travelers Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/technology-errors-omissions) - [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions) - [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) - [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/umbrella-excess) - [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation) - [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Travelers and USI ### Insurer Group Versus Broker Policies are issued by Travelers subsidiaries such as The Travelers Indemnity Company, not by USI. USI is not a Travelers employee. [21](https://www.travelers.com/about-travelers "Who We Are") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") ### California Paper Travelers Indemnity and Travelers Casualty and Surety Company of America appear on California’s insurer lists cited for Travelers. That is admitted-company status, not a guarantee your class is written. USI’s California license number is company-printed and not independently verified on the materials used here. [30](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [53](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") ### Technology Products Travelers names CyberRisk Tech and other technology offerings on its own paper. USI names a placement list including PrivaSafe. Ask USI whether Travelers is even on the submission list for your E&O and cyber. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") ### How a Founder Gets a Quote Travelers’ Select Accounts automated underwriting, described in its annual report on Form 10-K, is still reached through a producer. Simply Business is a Travelers-owned digital channel documented as separate from the independent-agent model. USI is not that Simply Business channel. [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [36](https://www.usi.com/contact-us/ "Contact Us") ### Who Pays the Producer Travelers discloses base and contingent producer pay. USI discloses receiving those kinds of amounts from insurers generally. If USI places Travelers, both disclosures can describe the same commission; ask for the rate on your policy. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") ## What Should You Confirm in Travelers and USI Quotes? - Whether USI will submit to Travelers and which subsidiary would issue. [21](https://www.travelers.com/about-travelers "Who We Are") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") - Alternative markets USI would use if Travelers declines the class. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") - MyTravelers versus USI office claims reporting if Travelers is bound. [16](https://www.travelers.com/business-insurance/claims "Business Insurance Claims") [50](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") - Certificate issuance through Travelers’ portal versus USI staff. [18](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") ## Travelers vs USI Insurance Services Services Compared What each provider documents about the services you may need. | Criteria | Travelers | USI Insurance Services | | --- | --- | --- | | Business role | Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [28](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [21](https://www.travelers.com/about-travelers "Who We Are") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | 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. [33](https://www.usi.com/about-usi "The Power of ONE") [32](https://www.usi.com/ "Insurance Brokerage and Consulting") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") [52](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)

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. [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") [38](https://www.usi.com/privacy/ "Privacy") [53](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)

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. [52](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) | | Application process | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | 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. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [36](https://www.usi.com/contact-us/ "Contact Us") [48](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: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) | | Access to insurers | Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [26](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [19](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Entities named on current marketing and compensation pages. This research does not assign one issuer to the entire technology catalogue or to California placements.; verified: 2026-09-16.) | USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [38](https://www.usi.com/privacy/ "Privacy") [50](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; verified: 2026-09-16.) | | Coverage lines | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [27](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [15](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [14](https://www.travelers.com/surety-bond "Surety Bonds") [26](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) | USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.; verified: 2026-09-16.)

USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") [43](https://www.usi.com/property-casualty/private-equity "Private Equity") [44](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [48](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: Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.; verified: 2026-09-16.)

USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. [45](https://www.usi.com/employee-benefits "Employee Benefits") [43](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Employer-sponsored benefits brokerage/consulting. Not individual health insurance.; verified: 2026-09-16.) | | Fees and compensation | Travelers discloses that it generally pays independent producers a base commission as a percentage of premium, and may also pay contingent compensation, value-based amounts, production incentives, promotional reimbursements, strategic-relationship amounts or service fees. It might not pay all, or any, of those types on a given placement. Percentages vary by business, risk and state. Account-specific amounts are directed to the buyer’s agent or broker. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Company-reported; scope: U.S. producer-compensation disclosure accessed 16 September 2026. This describes what Travelers may pay producers, not a buyer-facing fee schedule.; verified: 2026-09-16.)

The reviewed public pages do not publish a standard premium, deductible schedule or buyer-paid broker fee for technology insurance. Travelers states that cost depends on coverage types, limits and the business’s risks, location and size, and tells buyers to work with an insurance professional. [5](https://www.travelers.com/business-insurance "Business and Commercial Insurance Policy Quotes") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Not publicly disclosed; scope: Business-insurance and workers-compensation marketing pages accessed 16 September 2026. Absence of a public price list is not evidence that coverage is free or that no fees apply.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) | ## Provider Profiles for Travelers and USI Insurance Services - [What Is Travelers Insurance?](https://thegeneralaverage.com/insurance-providers/travelers) - [What Is USI Insurance Services?](https://thegeneralaverage.com/insurance-providers/usi) ## Comparisons Related to Travelers vs USI Insurance Services - [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) - [AIG vs USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) - [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) - [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) - [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) - [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) - [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) - [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) - [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) - [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) - [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) - [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) - [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) - [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) - [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) - [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) - [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) - [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) - [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) - [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) - [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) - [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) - [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) - [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) - [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) - [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) - [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) - [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) - [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) - [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) - [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) - [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) - [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) - [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) - [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) - [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) - [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) - [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) - [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) ## Sources for Travelers vs USI Insurance Services ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 1. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 2. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 3. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 4. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 5. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 8. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 9. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 11. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 12. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 13. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16. 14. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 15. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 16. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 17. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 18. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 19. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 20. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 21. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 22. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 23. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 24. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 25. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 26. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16. 27. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 28. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 29. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 30. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 31. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. ### [USI Insurance Services Official Website](https://www.usi.com) 32. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16. 33. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 34. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16. 35. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16. 36. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16. 37. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16. 38. [Privacy](https://www.usi.com/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. 39. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 40. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16. 41. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 42. [Business Services](https://www.usi.com/property-casualty/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. 43. [Private Equity](https://www.usi.com/property-casualty/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. 44. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16. 45. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16. 46. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16. 47. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/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. 48. [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; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16. 49. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16. 50. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). 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. 51. [Natural Disaster Planning](https://www.usi.com/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. 52. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16. 53. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). 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 2026-09-25. 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](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/travelers-vs-usi.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://thegeneralaverage.com/llms.txt)