AI has collapsed cyberattack timelines from months to hours — making fraud verification and incident response priorities for both IT and the boardroom.
Benefits compliance remains a key focus for employers as regulators increase scrutiny of employer-sponsored health and welfare plans. Review key regulatory developments to watch for 2027, and practical steps employers can take now to reduce risk.
As AI scams become more sophisticated, homeowners insurance may not provide enough protection. Personal cyber insurance can help address certain risks tied to online fraud, identity theft, and more.
Bundling retirement plan services can help employers simplify administration, improve accountability, enhance participant outcomes and reduce costs by consolidating services under a single provider.
Health plan renewals often include inflated assumptions and hidden costs that can lead employers to overpay. USI’s comprehensive underwriting review helps uncover embedded sources of carrier revenue, giving employers the insight they need to negotiate a fairer, more transparent renewal.
Condo and co-op owners often assume their association’s master policy covers more than it does. Learn five common exposures that can lead to costly surprises — and how to help protect your home, assets, and liability exposure.
A fiduciary oversight review helps employers fulfill fiduciary responsibilities and improve retirement plan participant outcomes, while reducing fiduciary risk and liability through a documented process.
Organizations can reduce their total cost of risk through alternative risk financing structures, including a variety of loss-sensitive programs, that reward better claims performance.
As healthcare costs continue to rise, small to mid-size businesses are looking for more control and stability than traditional fully insured plans may provide. Stop-loss captives can offer a middle ground between fully insured and self-funded plans, allowing employers to share risk while gaining greater visibility into health plan performance.
Precious metals and rare coins can be meaningful investments, but rising values may leave collections underinsured without updated coverage, appraisals and inventories.
As fiduciary scrutiny increases, retirement plan committees need a documented, repeatable process for monitoring investments, evaluating fees and supporting participant outcomes.
Getting ahead of rising healthcare costs starts with greater visibility. Cost avoidance modeling helps employers identify emerging risks, understand their potential impact, and act early — before those risks drive higher health plan costs.
Since 401(k) and 403(b) fees are often complex and hidden, it’s critical for employers to benchmark costs to reduce unnecessary expenses and fulfill their fiduciary responsibilities.
These insights from USI national practice leaders provide a mid-year view of emerging trends, economic drivers, and risk considerations shaping the evolving commercial property and casualty landscape.
Many employers are reconsidering how they fund health benefits due to rising costs. Learn how alternative funding strategies can provide greater financial control and potential savings over time.
After years of disruption, 2026 is a year of stabilization for the personal insurance market — but “stabilized” doesn’t mean “easier.” Learn why many insureds are still facing higher deductibles, tighter terms, individualized pricing, and greater scrutiny at renewal.
Employee stock ownership plans (ESOPs) can serve as a strategic, tax efficient solution for business succession when guided by experienced consulting and supported by ongoing administration.
Recent federal legislation and proposed rules are designed to increase transparency around how PBMs make money — and how prescription drug dollars are really spent. Can these changes finally help employers reduce the impact of pharmacy on their health plan spending?
Employers that invest in financial wellness and smart retirement plan design can help employees build financial security while strengthening organizational stability.
Rising costs have many employers rethinking their benefits strategies. By focusing on clear communication, organizations can maximize the value of their benefits programs and drive higher participation and satisfaction — without increasing spending.
Proactive management of your claim history is crucial in today’s insurance market. Understand the data, protect your record, and know when not to file a claim.
Fiduciary training, governance best practices, and supplemental support services are essential for employers to reduce risk, strengthen oversight, and protect both the organization and plan participants.
Whether you’re in a guaranteed-cost or deductible program, workers’ compensation benchmarking reveals what’s really driving your costs — and where you have leverage to improve results.
Benefits benchmarking provides the missing context that renewals alone can’t deliver — helping employers understand what’s driving their increases, how their benefits compare to similar organizations, and which strategies can reduce spending without eroding competitiveness.
Ensure your retirement program aligns with your organization’s culture and objectives, is market-competitive, and reduces long-term employee benefit costs.
Increasing employee participation in tax-advantaged benefit plans isn’t just smart — it’s an essential strategy in today’s competitive labor market, yielding both immediate and long-term cost savings.
Today’s ownership structures offer meaningful benefits for families — but they also create complex risk scenarios that traditional insurance programs might not fully address.
Increasing employee participation in tax-advantaged benefit plans isn’t just smart — it’s an essential strategy in today’s competitive labor market, yielding both immediate and long-term cost savings.
