---
title: "USI Insurance Services Professional Liability (E&O) Insurance"
description: "USI Insurance Services offers professional liability insurance to sole practitioners and regional CPA firms through the AICPA Professional Liability Program."
canonical: "https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions"
page-type: "offering-page"
updated-at: "2026-09-23"
provider: "usi"
coverage-line: "professional-errors-omissions"
---

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/insurance-providers/usi/professional-errors-omissions)

## Agent Guide

**What this page is:** What USI Insurance Services Professional Liability (E&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 Professional Liability (E&O) Insurance specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile.

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

**Key facts:**
- Provider slug `usi`; coverage line `professional-errors-omissions`.
- 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 Professional Liability (E&O) Insurance from USI Insurance Services Cover?

Product: AICPA Professional Liability Program (USI Affinity). Provider: USI Insurance Services. Coverage line: Professional Liability (E&O) Insurance.

## Quick Answer

USI Insurance Services offers professional liability insurance to sole practitioners and regional CPA firms through the AICPA Professional Liability Program. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [3](https://www.usi.com/property-casualty/business-services/ "Business Services")

## USI Insurance Services Professional Liability (E&O) at a Glance

| Topic | Evidence | Claims |
| --- | --- | --- |
| Role in This Line | Company-reported | 1 |
| Issuing Insurer | Company-reported | 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 |

## USI Insurance Services’ Role in Professional Liability (E&O)

- For CPA firms, USI runs the AICPA Professional Liability Program through its USI Affinity division as the endorsed producer, rather than underwriting the policy itself. USI's general Business Services practice separately brokers errors and omissions/professional liability coverage for other business types. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: AICPA program page and Business Services practice page.)

## Who Issues USI Insurance Services Professional Liability (E&O)?

- USI's own page states that the AICPA Professional Liability Program is "underwritten by CNA," naming the carrier for that specific program. USI's general Business Services E&O placements do not name an insurer. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.)

## Who Is USI Insurance Services Professional Liability (E&O) For?

- USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description.)

## USI Insurance Services Professional Liability (E&O) Coverage Features

- USI describes the policy as insuring a CPA and their practice against third-party claims that professional services caused financial harm, providing a defense and paying damages for covered claims arising from high-risk situations tied to new clients, changing business plans, or new laws and regulations. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.)

## USI Insurance Services Professional Liability (E&O) Risk Services

- USI says firms enrolled in the program get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates, in addition to the coverage itself. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Program page description.)

## How Do You Apply for USI Insurance Services Professional Liability (E&O)?

- USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated Affinity_APL@usi.com address for the AICPA program specifically. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Evidence: Company-reported; scope: Contact instructions on the AICPA program page.)

## What We Couldn’t Find About USI Insurance Services Professional Liability (E&O)

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

- **Limits and Retentions (Not publicly disclosed):** The AICPA program page does not publish limit, retention or premium figures; it says coverage plans allow a firm to tailor coverage to its risk profile. [1](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/ "Accountants Professional Liability — USI Affinity") (Scope: Page as read on 2026-09-23.)

## USI Insurance Services vs Other Professional Liability (E&O) 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 Aon](https://thegeneralaverage.com/compare/aon-vs-usi)
- [USI Insurance Services vs At-Bay](https://thegeneralaverage.com/compare/at-bay-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 D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers)
- [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 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: Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions)

## Sources for USI Insurance Services Professional Liability (E&O)

1. [Accountants Professional Liability — USI Affinity](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/). USI Insurance Services; Quality Professional Liability Insurance Exclusively for CPA Firms; "The AICPA Professional Liability Program, underwritten by CNA, has been offering coverage to CPAs since 1967 and has been the endorsed provider of the AICPA Program since 1994."; supportive claims handling and exclusive access to extensive risk management resources, including engagement letter templates; Email Affinity_APL@usi.com. Accessed 2026-09-23.
2. [USI Specialty Program Solutions](https://www.usi.com/programs/). USI Insurance Services; USI Affinity delivers high-quality insurance and financial solutions to members of affinity organizations and targeted industry segments...for professional associations, law firms, alumni and collegiate organizations, travel groups, and insurance administrators. 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...Errors & Omissions/Professional Liability... Accessed 2026-09-23.

## How to Cite This Page

USI Insurance Services Professional Liability (E&O) Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions. 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.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions.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)