Insights & Guidance From USI Experts

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.

As flood continues to be one of the costliest natural disasters in the U.S., homeowners need to know their risk and proactively take steps to manage it.

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.

Learn how timely claim resolution and proactive strategies can save money for your organization.

A well-crafted communication strategy can help employees understand and appreciate their benefits, making them more likely to stay with the organization.

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

Implement best practices to locate missing retirement plan participants and ensure they receive their benefits.

Learn how benchmarking technology can help you compare your insurance programs to similar organizations, enabling you to make informed decisions and optimize your coverage.

Understanding the overall value of the benefits you offer can help you keep your plans competitive and make strategic, cost-effective decisions for your organization.

When unexpected events occur, an umbrella or excess liability policy can play a crucial role in protecting your assets and future earnings.

Understand the key SECURE 2.0 provisions that impact your retirement plan and employees in 2025.

Learn strategies for managing fiduciary liability risks and optimizing insurance amid evolving regulations.

A periodic review of your organization’s retirement plan can reduce fees and help employees save more for retirement.

If you serve as a trustee, personal representative, attorney-in-fact, guardian, or conservator, it’s crucial to understand the personal liability exposure your role creates.

Are you prepared for an IRS or DOL audit? Learn best practices to keep your retirement plan in compliance and avoid added costs and liabilities.

Our experts’ in-depth analysis helps you stay abreast of the latest industry trends, secure optimal coverage and pricing, and address your most critical insurance and risk management challenges.

Read our experts’ guidance on employee benefits, retirement, and compliance challenges to help you achieve your 2025 goals.

While personal insurance was fraught with challenges in 2024, fortunately, 2025 brings some good news for this market.

Mark your calendar with upcoming compliance deadlines and action items for employer-sponsored retirement plans in 2025.

Discover how an analysis of your experience modification factor can significantly lower workers' compensation costs.

USI’s benefits, HR, and compliance solutions can help organizations effectively manage time-consuming responsibilities and focus on strategic activities.

Taking proper precautions can significantly reduce your risk of identity theft.

Choosing the right retirement plan recordkeeper helps your employees receive the education and guidance they need to plan for a financially secure life after retirement.

Learn how a targeted risk management process can save you up to 30% on your insurance premiums.

With increasing pressure to disclose salary ranges, employers must develop comprehensive compensation strategies to attract and retain talent in a transparent job market.

To avoid data breaches and ransomware attacks, it’s essential to understand the differences between them.

A fiduciary oversight review helps employers fulfill fiduciary responsibilities and improve retirement plan participant outcomes, while uncovering opportunities to reduce plan liabilities.

Organizations can protect their operations and reputations from increasing artificial intelligence risks by implementing these strategies.

Recent litigation highlights ERISA’s evolving role in regulating health and welfare plans, emphasizing fiduciary obligations and accountability.

AI has enabled scammers to improve their tactics. Learn how to protect your personal information — and steps to take if it’s compromised.

Ensure your retirement program aligns with your organization’s culture and objectives, is market-competitive, and reduces long-term employee benefit costs.