---
title: "Is USI Insurance Services Legit? Licensing, Carriers and Reliability"
description: "This partial score shows how clearly USI explains its services, helping you identify compensation and account details to confirm with your broker."
canonical: "https://thegeneralaverage.com/insurance-providers/usi/reliability"
page-type: "reliability-article"
updated-at: "2026-09-25"
provider: "usi"
content-type: "reliability"
---

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/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is USI Insurance Services Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used.

**Use this page when:** Cite this page to answer whether Is USI Insurance Services Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand.

**Questions this page answers:**
- Is Is USI Insurance Services Legit? Licensing, Carriers and reliable?
- Is Is USI Insurance Services Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is USI Insurance Services Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is USI Insurance Services Legit? Licensing, Carriers and (provider slug `usi`).
- Each role is scored against its own rubric; scores are never comparable across rubrics.

**Limits (do not over-claim):**
- A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation.
- Where the page says an assessment is unavailable or partial, no score should be inferred.
- The scored entity may differ from the brand name; read the assessed-entity line before quoting a score.

**Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-25. Methodology at /reliability-score.

**Related pages:**
- [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules
- [Is USI Insurance Services Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/usi) — same provider: provider profile: products, coverage lines and sources
- [Is USI Insurance Services Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/usi/reviews) — same provider: customer review evidence and Reliability Score
- [Is USI Insurance Services Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/usi/alternatives) — same provider: closest alternative providers

# Is USI Insurance Services Legit? Licensing, Carriers and Reliability

This partial score shows how clearly USI explains its services, helping you identify compensation and account details to confirm with your broker.

## USI Insurance Services Reliability Scores for 2026

- **Role:** Broker

- **Scope:** USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.

**Assessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.**

This partial Broker Reliability Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Reliability Score:** **5.3/10**
- **Subject:** Assessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.
- **Role:** Broker
- **Scope:** USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: 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..

- **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score)

- **Provider profile:** [USI Insurance Services](https://thegeneralaverage.com/insurance-providers/usi)

## What Our Research Found About USI Insurance Services

### USI Insurance Services Legal Identity

USI's reviewed materials identify USI Insurance Services LLC as the brokerage and risk-consulting entity. Aon announced an agreement to acquire USI on August 31, 2026, while stating USI would operate independently until an expected fourth-quarter close; the announcement is ownership context, not evidence that the transaction had closed. [The Power of ONE](https://www.usi.com/about-usi/), [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)

### USI Insurance Services Licensing

A USI-produced associate biography displays California producer license 0G11911 for USI Insurance Services LLC. The number remains company-reported and does not establish a complete state-by-state license inventory or current authority. [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

### USI Insurance Services Financial Strength

USI's public materials describe brokerage scale, commissions and risk consulting but provide no standalone USI statutory balance sheet or quote-specific insurer financial-strength evidence. The announced Aon transaction value is not used as evidence of USI or a carrier's capital strength. [Commissions and Fees](https://www.usi.com/commissions-fees/), [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)

### USI Insurance Services Risk Bearing

USI describes licensed-producer activity, insurer-paid commissions, contingent compensation and placement of property-casualty and technology coverages. The reviewed sources do not identify an issuing carrier, underwriting authority, admitted or surplus-lines status or reinsurance terms for a particular policy; USI is treated as broker. [Commissions and Fees](https://www.usi.com/commissions-fees/), [Technology Insurance](https://www.usi.com/property-casualty/technology/)

One USI programme names its underwriter. USI’s accountants’ professional liability page states that “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,” and directs buyers to USI Affinity for quotes and renewals. That identifies a carrier (CNA), a programme (the AICPA Professional Liability Program), a scope (professional liability for CPA firms) and a long-running endorsement, all disclosed by USI. It establishes nothing about the insurer for any other USI line. [Accountants Professional Liability](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/)

USI’s programme platform is named and describes delegated authority without naming the carriers granting it. Its programmes page states that USI delivers programme business through USI Affinity and Innovation Growth Partners, and that IGP Specialty offers “specialty underwriting programs, nationwide wholesale brokerage, and contract binding authority.” IGP Specialty’s own site describes “25+ standout, competitive specialty programs,” wholesale “backed by a vast network of carrier partners” and contract binding “powered by top-rated carriers,” and states that it was formed from U.S. Risk, a national specialty lines underwriting manager and wholesale broker, and Safehold Special Risk, a national program business. Contract binding authority is a capacity relationship, but no insurer granting it is named. [USI Specialty Program Solutions](https://www.usi.com/programs/), [IGP Specialty](https://www.igpspecialty.com/)

Outside the AICPA programme, no reviewed USI source identifies an insurer for a property-casualty, technology, executive or employee-benefit placement, and the CNA evidence sits within USI Affinity rather than the general commercial brokerage that most of this assessment covers. No carrier-published record of a USI appointment was located in this research. [Accountants Professional Liability](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/), [USI Specialty Program Solutions](https://www.usi.com/programs/)

### USI Insurance Services Claims Service

USI advertises claim advocates, and its claims kit directs some lines to insurers and executive, professional and cyber lines to the USI account team or claims consultant. The kit was updated May 2021 and does not establish current independent claims outcomes or response times. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty), [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf)

### USI Insurance Services Regulatory Record

Current California authority for the company-displayed number is not independently established, and no completed five-year conduct result is available. This is not a clean-record or universal-authority finding. [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

## USI Insurance Services Licenses and Authority Records

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources |
| --- | --- | --- | --- | --- | --- | --- |
| USI Insurance Services LLC | CA | State license | 0G11911 | California producer license displayed in company-produced biography | Company-reported; current authority and complete state inventory not independently established | [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Regulator Searches for USI Insurance Services

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | inaccessible | Current USI authority for 0G11911 is not independently established from the California regulator route; this is not a no-license or clean-record finding. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## USI Insurance Services Reliability Scores by Factor

### USI Insurance Services Broker Reliability Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [The Power of ONE](https://www.usi.com/about-usi/), [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), [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Commissions and Fees](https://www.usi.com/commissions-fees/), [Technology Insurance](https://www.usi.com/property-casualty/technology/), [Accountants Professional Liability](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/), [USI Specialty Program Solutions](https://www.usi.com/programs/), [IGP Specialty](https://www.igpspecialty.com/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 2.13 | 15% | 5.32 | [The Power of ONE](https://www.usi.com/about-usi/), [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), [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Commissions and Fees](https://www.usi.com/commissions-fees/), [Technology Insurance](https://www.usi.com/property-casualty/technology/), [Accountants Professional Liability](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/), [USI Specialty Program Solutions](https://www.usi.com/programs/), [IGP Specialty](https://www.igpspecialty.com/), [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty), [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf) |

## What We Couldn’t Confirm About USI Insurance Services

- California license 0G11911 remains company-reported pending direct regulator confirmation.
- No complete state-by-state producer authority inventory was completed.
- No quote-specific issuing carrier, underwriting authority, admitted or surplus-lines status or reinsurance terms were collected.
- No standalone USI statutory financial evidence or current carrier-specific AM Best action was collected.
- No completed five-year conduct result is available.
- Claims guidance is dated May 2021 and independent service outcomes were not reviewed.
- USI names CNA only for the AICPA Professional Liability Program placed through USI Affinity; no insurer is named for USI’s general property-casualty, technology, executive or employee-benefit placements.
- The carriers granting IGP Specialty’s contract binding authority and supporting its specialty programmes are not identified, and the share of USI’s book placed through them is not disclosed.
- No carrier-published directory, appointment record or regulator appointment listing confirming a USI carrier appointment was located in this research.

## Insurance Terms Related to USI Insurance Services

- [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating)

## Sources for USI Insurance Services Reliability Research

- [The Power of ONE](https://www.usi.com/about-usi/) — USI Insurance Services; USI history, service lines, nationwide office description and commercial risk-consulting overview; accessed 2026-09-21.
- [Commissions and Fees](https://www.usi.com/commissions-fees/) — USI Insurance Services; Licensed-producer role, insurer-paid commission default, contingent compensation and client information-request right; accessed 2026-09-21.
- [Technology Insurance](https://www.usi.com/property-casualty/technology/) — USI Insurance Services; Technology practice and placement lines including privacy, cyber, E&O and D&O; accessed 2026-09-21.
- [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty) — USI Insurance Services; P&C risk exposures, claim advocates and client inquiry route; accessed 2026-09-21.
- [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf) — USI Insurance Services; Claims-reporting table updated May 2021; insurer and USI account-team reporting routes; accessed 2026-09-21.
- [USI Insurance Services LLC Associate Biography](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf) — USI Insurance Services; Company-produced biography naming USI Insurance Services LLC and California DOI License 0G11911; accessed 2026-09-21.
- [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for USI and 0G11911; current authority not independently established; accessed 2026-09-21.
- [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; August 31, 2026 announcement; USI to operate independently until expected Q4 2026 close; accessed 2026-09-21.
- [USI Specialty Program Solutions](https://www.usi.com/programs/) — USI Insurance Services; USI Affinity and Innovation Growth Partners (IGP Specialty) sections, including “specialty underwriting programs, nationwide wholesale brokerage, and contract binding authority”; accessed 2026-09-22.
- [Accountants Professional Liability](https://www.usi.com/programs/affinity-programs/accountants-professional-liability/) — USI Insurance Services; Opening paragraph: “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”; USI Affinity contact panels; accessed 2026-09-22.
- [IGP Specialty](https://www.igpspecialty.com/) — Innovation Growth Partners; “Our Solutions” panels for Programs, Wholesale and Contract Binding, and the “IGP Specialty Launches Under a Bold New Brand” news item naming U.S. Risk and Safehold Special Risk; accessed 2026-09-22.

## Agent and Developer Resources

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