What Are the Key Differences Between Liberty Mutual and USI Insurance Services Professional Liability (E&O) Insurance?
Different professions anchor the documented programs
Liberty Mutual lists Physicians & Surgeons Professional as a professional-liability-only specialty program. USI's AICPA Professional Liability Program is aimed at sole practitioners and regional CPA firms, so the published routes point to different professions; check whether either program accepts your specific practice. [3] [6]
USI names the carrier and CPA protections
USI identifies CNA as the insurer for its AICPA program and describes defense and damages for third-party claims alleging financial harm from CPA services. Liberty Mutual's listing confirms a physicians-and-surgeons program but does not give its insurer, limits, or form terms. A CPA firm can use USI's published description to frame questions, while a physician should request Liberty Mutual's actual policy details. [6] [3]
Their quote paths differ
USI Affinity directs CPA firms to contact its dedicated AICPA program team for quotes and renewals. Liberty Mutual says administrators manage its programs and provides inquiry contacts, so ask which administrator handles the physicians-and-surgeons program and what information it needs. [6] [3]
What Should You Confirm in Liberty Mutual and USI Insurance Services Professional Liability (E&O) Insurance Quotes?
- Ask Liberty Mutual which administrator handles Physicians & Surgeons Professional, who issues the policy, and what limits, exclusions, and retroactive date the quote includes. [3]
- If comparing USI, confirm the CNA policy's claims-made terms and whether the firm's services and individual practitioners are covered. [6]