What Does D&O Insurance from USI Insurance Services Cover?

USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. ¹Company-reportedExecuSafe article's "How USI Can Help" section.

USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. ¹Not publicly disclosedExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23.

USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. ^1,2Company-reportedExecuSafe article eligibility framing and Technology practice client description.

USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. ¹Company-reportedExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.

USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. ¹Not publicly disclosedThird-party statistic cited by USI to illustrate exposure, not USI's own placement data.

USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. ²Company-reportedSingle case study on the Technology practice page; company-reported outcome, not independently verified.

USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. ^1,2,3Company-reportedContact instructions on the ExecuSafe article and the Technology and Business Services pages.