USI Insurance Services - Business Services USI Insurance Services - Business Services

Business Services Contractors Insurance

Improving Performance for Business Service Contractors

USI’s Business Services team offers industry specific solutions that address key cost of risk drivers for building and maintenance, repair service, janitorial, staffing, and printing companies. We provide the solutions needed to protect business services organizations from risk exposures such as on-the-job injuries, equipment malfunctions, employee errors and misconduct, customer claims and more.

USI advises clients across a broad risk spectrum and provides solutions for Workers Compensation, Automobile Liability, General Liability, Umbrella/Excess Liability, Property and Environmental Exposure, Directors & Officers Liability, Employment Practices Liability, Crime, Fiduciary Liability, Errors & Omissions/Professional Liability, Cyber and Privacy Liability, Kidnap & Ransom and International risks.

In conjunction with our full suite of insurance coverage, USI’s Business Services Practice helps companies take control of their risks and improve financial performance with solutions including:

  • Classification and Exposure Reviews
  • Workers Compensation Experience Modifier Analysis and Projections
  • Claim Advocacy
  • Risk Control
  • Peer Benchmarking for Program Structure and Cost Analysis
  • Loss Forecasting
  • Collateral Reviews
  • Risk Management Information Systems
  • Contract Review

To analyze our client’s business issues and challenges, our Business Services team leverages USI ONE, a fundamentally different approach to risk management. USI ONE integrates proprietary business analytics with a network of local and national technical experts in a team based consultative planning process to evaluate the client’s risk profile and identify targeted solutions. Clients then receive tailored recommendations for improving their total cost of risk.

Experience the USI ONE Advantage® and learn how our Business Services Practice can identify key cost savings while expanding your risk management coverage. Email PCsolutions@usi.com to learn more or contact your local USI office today.

CASE STUDY:

USI’s Contract Review Saves Client from $1,000,000 in Uncovered Risk

USI’s client, a restaurant chain with nearly 100 locations, leased all of its property from 30 different entities in multiple markets. Each entity had a unique lease contract—none of which had been reviewed in conjunction with the client’s liability insurance. USI’s Business Services Team reviewed the independent lease contracts, revealing that the client had agreed to take on risks not covered in their existing general liability insurance policy. The contract discrepancies exposed the company to up to $1,000,000 in uncovered risks. USI amended the liability insurance policy language to meet the requirements of the lease contracts thereby eliminating the uncovered exposure and saving the client from a potential $1 million loss.

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