Chubb vs Usi: Professional Liability / E&O Insurance

CPA firms get a program built for them through USI Insurance Services, underwritten by CNA, with engagement-letter templates and risk-management resources. Chubb Pro ERM targets non-licensed firms like consultants and event planners.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Areas of coverage

Chubb

  • role: Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.company-reportedSource ↗
  • eligibility: Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. Pro ERM Target Clients list.company-reportedSource ↗
  • coverage: Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. Pro ERM Product Features list; subject to the policy as issued.company-reportedSource ↗
  • limits: Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. Pro ERM Product Features list.company-reportedSource ↗
  • services: Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. Pro ERM Product Features list.company-reportedSource ↗
  • application: Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. Cyber Insurance Coverage & Products page quoting section.company-reportedSource ↗

USI Insurance Services

  • role: 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. AICPA program page and Business Services practice page.company-reportedSource ↗Source ↗
  • insurer: 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. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.company-reportedSource ↗
  • eligibility: 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. Program page description.company-reportedSource ↗
  • coverage: 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. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.company-reportedSource ↗
  • limits: 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. Page as read on 2026-09-23.not-disclosedSource ↗
  • 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. Program page description.company-reportedSource ↗
  • application: 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. Contact instructions on the AICPA program page.company-reportedSource ↗

What Are the Key Differences Between Chubb and USI Insurance Services Professional Liability (E&O) Insurance?

Coverage Structure

Chubb combines professional liability, media and cyber in one policy. [1] USI's AICPA program focuses on CPA E&O and offers members claims support and risk-management resources such as engagement-letter templates. [7] Compare these prevention and response services with the policy limits and exclusions.

Other USI Businesses

USI also brokers E&O through its Business Services practice for other business types, but the reviewed page does not name an insurer for that route. [8] Chubb underwrites Pro ERM itself. [1] Ask USI which insurer would issue your policy if you are not eligible for the AICPA program.

What Should You Confirm in Chubb and USI Insurance Services Professional Liability (E&O) Insurance Quotes?

  • Confirm your firm qualifies for the CNA-underwritten AICPA program or will be placed through USI Business Services. [7] [8]
  • Ask Chubb for Pro ERM's limit and retention. [1]
  • Ask USI for the program's limits and exclusions; the reviewed AICPA page does not list figures. [7]
  • Confirm your business meets Chubb's non-licensed eligibility. [1]

USI’s AICPA E&O program serves sole-practitioner and regional CPA firms; Chubb’s Pro ERM targets non-licensed professional firms.

Sources reviewed

  1. 01
    Cyber Insurance Coverage & Products

    Chubb · Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM · accessed 2026-09-23

  2. 02
    Insurance for Software Product & System Developers

    Chubb · Financial-lines coverage solutions list for software and systems developers · accessed 2026-09-23

  3. 03
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  4. 04
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  5. 05
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  6. 06
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

  7. 07
    Accountants Professional Liability — USI Affinity

    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

  8. 08
    Business Services

    USI Insurance Services · USI advises clients...and provides solutions for...Errors & Omissions/Professional Liability... · accessed 2026-09-23

  9. 09
    USI Specialty Program Solutions

    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

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