---
title: "USI Insurance Services D&O Insurance"
description: "Everything to know before buying USI Insurance Services D&O Insurance: what it covers, who it’s for, and how to apply."
canonical: "https://thegeneralaverage.com/insurance-providers/usi/directors-officers"
page-type: "offering-page"
updated-at: "2026-09-23"
provider: "usi"
coverage-line: "directors-officers"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-providers/usi/directors-officers)

## Agent Guide

**What this page is:** What USI Insurance Services D&O Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents.

**Use this page when:** Cite this page for USI Insurance Services D&O Insurance specifically. For the general coverage explainer use /coverage/directors-officers; for the provider overall use its profile.

**Questions this page answers:**
- Does USI Insurance Services D&O Insurance offer this coverage?
- What does USI Insurance Services D&O Insurance cover and exclude?
- Who is USI Insurance Services D&O Insurance designed for?

**Key facts:**
- Provider slug `usi`; coverage line `directors-officers`.
- Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section.

**Limits (do not over-claim):**
- Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements.
- Availability varies by state, industry and underwriting.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying.

**Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23.

**Related pages:**
- [Provider profile](https://thegeneralaverage.com/insurance-providers/usi) — parent: provider profile

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

Product: USI ExecuSafe Directors & Officers Liability Program. Provider: USI Insurance Services. Coverage line: D&O Insurance.

## Quick Answer

USI Insurance Services brokers D&O insurance for small and medium-sized businesses, helping them spot exposures, review existing policies for gaps and place coverage. [1](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") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## USI Insurance Services D&O Insurance at a Glance

| Topic | Evidence | Claims |
| --- | --- | --- |
| Role in This Line | Company-reported | 1 |
| Issuing Insurer | Not publicly disclosed | 1 |
| Who It’s For | Company-reported | 1 |
| Coverage Features | Company-reported | 1 |
| Limits and Retentions | Not publicly disclosed | 1 |
| Risk Services | Company-reported | 1 |
| How to Apply | Company-reported | 1 |

## What Is USI Insurance Services’ Role in D&O Insurance?

- 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. [1](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: ExecuSafe article's "How USI Can Help" section.)

## Who Is USI Insurance Services D&O Insurance For?

- 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](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") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description.)

## Coverage Features of USI Insurance Services D&O Insurance

- 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. [1](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: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.)

## What Risk Services Come With USI Insurance Services D&O Insurance?

- 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. [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified.)

## How Do You Apply for USI Insurance Services D&O Insurance?

- 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](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") [2](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages.)

## What We Couldn’t Find About USI Insurance Services D&O Insurance

The reviewed sources do not settle these. Confirm them with USI Insurance Services or a broker before relying on them.

- **Issuing Insurer (Not publicly disclosed):** 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. [1](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") (Scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23.)
- **Limits and Retentions (Not publicly disclosed):** 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. [1](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") (Scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data.)

## USI Insurance Services vs Other D&O Insurance Providers

- [USI Insurance Services vs AIG](https://thegeneralaverage.com/compare/aig-vs-usi)
- [USI Insurance Services vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-usi)
- [USI Insurance Services vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-usi)
- [USI Insurance Services vs Aon](https://thegeneralaverage.com/compare/aon-vs-usi)
- [USI Insurance Services vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-usi)
- [USI Insurance Services vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-usi)

## Other Coverage Lines From USI Insurance Services

- [USI Insurance Services Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/usi/cargo-transit)
- [USI Insurance Services Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-auto)
- [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property)
- [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/crime)
- [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber)
- [USI Insurance Services Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/usi/employee-health-benefits)
- [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/employment-practices)
- [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/fiduciary)
- [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability)
- [USI Insurance Services Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/usi/kidnap-ransom)
- [USI Insurance Services Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/management-liability)
- [USI Insurance Services Medical Malpractice Insurance](https://thegeneralaverage.com/insurance-providers/usi/medical-malpractice)
- [USI Insurance Services Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/product-liability)
- [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions)
- [USI Insurance Services Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/usi/representations-warranties)
- [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds)
- [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions)
- [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/umbrella-excess)
- [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation)

## Related Reading

- [USI Insurance Services Profile](https://thegeneralaverage.com/insurance-providers/usi)
- [USI Insurance Services Reliability](https://thegeneralaverage.com/insurance-providers/usi/reliability)
- [USI Insurance Services Alternatives](https://thegeneralaverage.com/insurance-providers/usi/alternatives)
- [Coverage Guide: Directors and officers](https://thegeneralaverage.com/coverage/directors-officers)

## Sources for USI Insurance Services D&O Insurance

1. [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; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
2. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
3. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability... Accessed 2026-09-23.

## How to Cite This Page

USI Insurance Services D&O Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/usi/directors-officers. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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.

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