CNA vs Usi: Medical Malpractice Insurance

USI Insurance Services is a broker whose healthcare team shops malpractice for hospitals and physician groups; CNA writes primary and excess liability itself and has a 70-person healthcare claims team.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between CNA and USI Insurance Services Medical Malpractice Insurance?

Buyer Scope and Risk Structures

CNA lists healthcare facilities and outpatient classes, including clinics and home health. USI describes its Healthcare client base as spanning individual physician groups and clinics through regional health systems, and includes surgery centers, dialysis clinics, senior care, and staffing companies. USI also accesses captives and risk-retention or purchasing groups. Ask USI which risk structure and issuing carrier it proposes for your organization. [1] [6]

Loss Analysis and Claims Resources

CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience. USI cites a case reviewing 26 years of loss history for a 220-physician group; the company says the analysis led to negotiated savings and a retention-funding change in that case. Treat that result as an example, not a forecast. Ask USI whether it can review your loss runs and compare its proposal with CNA’s layers. [1] [6]

What Should You Confirm in CNA and USI Insurance Services Medical Malpractice Insurance Quotes?

  • Ask USI which insurer or alternative structure, retention, and limits are proposed. [6]
  • Ask CNA to show primary and excess limits and covered entities. [1]

Areas of coverage

CNA

  • eligibility: CNA lists medical professional liability for healthcare facilities and providers, including outpatient classes such as ambulatory surgery, dialysis, clinics and home health. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability for listed facilities/providers Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • coverage: CNA describes primary professional liability options and separate excess/umbrella towers for healthcare accounts. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • claims: CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience, including medical-malpractice litigation experience. Entity: CNA brand; underwriting company may vary Product: Healthcare professional-liability claims service Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company-reported staffing/experience; not an outcome or service-level guarantee. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • services: CNA describes consultative risk-control assessments and training for healthcare customers. Entity: CNA brand; underwriting company may vary Product: Healthcare professional liability risk-control services Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Service description does not alter policy coverage. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗

USI Insurance Services

  • role: USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. Healthcare practice page.company-reportedSource ↗
  • insurer: The Healthcare practice page does not name a specific medical malpractice insurer; it says USI has access to both traditional and nontraditional risk-transfer structures, including captives, risk retention groups and risk purchasing groups, without naming a carrier for any of them. Page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. Company description of client base, not a guaranteed underwriting appetite.company-reportedSource ↗
  • coverage: USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.company-reportedSource ↗
  • services: USI cites a case study where its Healthcare team reviewed 26 years of a 220-physician group's malpractice loss history, found the client was overpriced with an outdated limit structure, and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account.company-reportedSource ↗
  • application: USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. Contact instructions on the Healthcare practice page.company-reportedSource ↗

CNA describes primary and excess options for U.S. healthcare accounts and reports a claims team averaging 20 years of experience; USI describes its healthcare client base and recounts one 220-physician-group loss-history review with company-reported savings and a retention-funding change.

Sources reviewed

  1. 01
    Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA

    CNA · pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities · accessed 2026-09-28

  2. 02
    Physicians Medical Professional Liability — Specimen Policy

    Curi underwriting companies identified on specimen cover · Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13 · accessed 2026-09-16

  3. 03
    Physician Application

    MedPro Group / issuing companies identified on application · I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6 · accessed 2026-09-16

  4. 04
    Medical Malpractice Insurance

    National Association of Insurance Commissioners · Background: Issue; Overview; two basic types · accessed 2026-09-16

  5. 05
    Medical Liability Insurance shopping guide

    Texas Department of Insurance · What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips · accessed 2026-09-16

  6. 06
    Healthcare

    USI Insurance Services · USI's Healthcare Practice addresses risk exposures...for organizations associated with the healthcare industry...; serves hospitals, physicians, surgery centers, dialysis clinics, senior care/assisted living facilities...; offers specialty coverages...including: Medical Professional (Malpractice) Liability...; captives, risk retention groups and risk purchasing groups; ACO Shield...CHC Shield...; CASE STUDY: USI's Healthcare Review of Loss History Records · accessed 2026-09-23

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