Insights & Guidance From USI Experts

These insights from USI national practice leaders cover emerging trends, economic drivers, and risk considerations shaping the insurance landscape for the year ahead.

Get expert insights on rising health plan costs, compliance challenges, and how AI is transforming HR and benefits administration. Achieve your goals for 2026 and beyond with guidance on how to manage spending, enhance employee engagement, and build a benefits strategy that works for the future.

Learn how to translate today’s complex risk ecosystem into a proactive plan that protects homes, digital identities, and legacies.

Stay ahead of key 2026 compliance deadlines and action items for employer-sponsored retirement plans.

Learn how a strategic P&C insurance planning process can help organizations manage risk, optimize costs, and achieve measurable financial results.

Efficiently managing time-consuming administrative tasks allows employers to focus more on strategic priorities that drive business growth. Learn how comprehensive benefits, HR, and compliance solutions can help.

Data breaches and identity theft have severe consequences for individuals, including financial loss, long-term credit damage, and emotional distress. Taking a few proactive steps can significantly reduce your risk.

Partnering with a retirement plan consultant helps organizations reduce costs, mitigate fiduciary risk, and improve employee retirement outcomes through expert guidance and customized plan support.

Learn how to proactively protect your organization and leadership with tailored directors & officers (D&O) liability coverage.

As the new year approaches, employers will face several compliance deadlines that may impact their health and welfare plans. Learn how to stay ahead and avoid costly penalties and fines.

As cybercrime expands to school data, smart home systems, and cloud-based personal accounts, it’s more critical than ever to have digital literacy and strong cybersecurity in your household.

Regularly reviewing the target date funds (TDFs) for your organization’s retirement plan can yield big benefits — such as mitigating fiduciary risk, reducing costs, and improving participant outcomes.

Multifactor authentication is more than just a cybersecurity feature. Learn why it's a strategic pillar in smart cyber risk management.

Compensation benchmarking can help employers design competitive, equitable pay programs that enhance employee engagement and retention.

AI is revolutionizing the digital landscape — and it’s also fueling cybercrime. Learn about the new threats and updated strategies to counter them.

Is your retirement plan’s recordkeeper doing enough to protect data? Learn how your organization can stay secure in an era of mounting cybercrime.

Learn how pre-underwriting risks, strategically crafting market requests, and using data-driven insights to negotiate with carriers can help reduce insurance costs and improve coverage.

Employers frequently overpay for health plan renewals due to inflated assumptions and other hidden costs. USI’s comprehensive underwriting review helps employers uncover embedded sources of carrier revenue and secure a fair, transparent renewal.

Living in an HOA community has its perks, but it can also come with steep financial risks. It’s crucial to proactively protect your finances in the event of a loss assessment.

As retirement plan complexity grows and fiduciary liability increases, employers are turning to total retirement outsourcing (TRO) to simplify plan management and gain more value from their benefits investment. Learn the advantages and risks.

Discover how loss-sensitive insurance programs can turn your risk control efforts into real savings with smarter, more strategic risk financing.

The expansion of provider networks has lessened the value of PPO health plans over time. To better manage benefits spending, more employers are turning to alternative models like value-based networks.

Safety has become the cornerstone of travel amid a rapidly evolving global landscape. New technologies, real-time safety alerts, and comprehensive insurance options can help you travel with greater confidence.

If you don’t already have one for your employees, a 401(k) plan can strengthen your benefits offering — and your business.

Gain a competitive edge with data-driven insights that help uncover your organization’s top loss drivers and reduce total cost of risk.

Rising cancer rates and healthcare costs are driving employer health plan spending. A comprehensive cancer management strategy can help improve member outcomes and control costs.

Preparing for college can be overwhelming, but proactive planning around safety, health, and financial risks can ease the transition for students and their families.

When retirement plan fiduciaries have limited experience and lack awareness of their responsibilities, they can increase the organization’s litigation risk.

In this supplement to our January market outlook, our experts update the insurance market trends that have changed over the past six months, report the state of our current markets, and forecast important developments that are starting to emerge.

Explore savings opportunities with alternative funding strategies such as level-funding, captives, and partially self-funded plans.

Insurance fraud is a pervasive problem impacting individuals, businesses and insurance companies. Learn the various types of fraud, the financial impacts, and tips for how to protect yourself.

These 10 best practices can help employers maintain their retirement plans and mitigate fiduciary risk.

Learn three crucial steps for effectively adjusting third-party contracts to safeguard your organization against potential liabilities and financial losses.

Exploding demand for GLP-1 medications has driven up pharmacy costs for employers, necessitating innovative strategies to balance health plan expenses and employee wellness.

Organizations spend over $50,000 per employee each year an employee delays retirement. Make sure your workforce is prepared for retirement to help offset the financial impact to the organization.

Understand the most common claims so you can make smart investments in preventive measures and reduce the likelihood of loss.