Insights & Guidance From USI Experts

Our P&C insurance experts report the latest rates, discuss critical trends, and provide solutions to help you mitigate risk and manage costs. Take advantage of these critical insights to make the most of your next renewal.

Learn how a professional employer organization, or PEO, can help smaller businesses expand their HR and benefits offerings.

Employers with an above-average health status can save on their premiums by switching to a level-funded plan.

Many businesses rely on FEMA’s National Flood Insurance Program to secure flood coverage without realizing that better alternatives exist in the private marketplace.

Direct primary care can have a significant impact on a level-funded health plan by reducing overall healthcare costs.

Understanding how insureds and additional insureds impact your policy can reduce your company’s exposure to risk and prevent uncovered losses.

Taking a strategic approach to your organization’s benefits offering can keep your plans competitive while helping you better manage operating costs.

Reviewing your company’s workers’ compensation class codes and payroll exposure can lower premiums by up to 30%.

Report accurate property data to help to reduce insurance costs and avoid potential uncovered losses.

Our expert insights on 2023’s most impactful trends and challenges across insurance lines and industries.

Here’s what small businesses need to know to navigate tough healthcare and benefits challenges in 2023.

When entering into contracts with third parties, make sure insurance policies cover the liabilities you assume.

Your business’s experience modification factor is impacted by many variables. Learn how to control it to lower your workers’ compensation premiums and total cost of risk.

Thoroughly assess your organization’s risks with a cyber insurance expert, so you can come to the bargaining table understanding the coverage you actually need.

Many businesses carry uninsured/underinsured motorists’ coverage without knowing how it protects them — causing them to carry unnecessarily high limits that increase overall premium costs.

When structured correctly, business interruption insurance helps a company survive after a major loss disrupts normal operations.

As companies evolve, operations and exposures change. Reviewing your company’s classification codes and exposure base can lower total cost of risk by up to 30%.

Learn what new and ongoing trends are impacting the property and casualty insurance market, and our experts’ insights for your organization’s industry, business size, geography, line of coverage and program structure.

Reviewing claims for proper reserving and timely closure can typically result in a savings of 10% to 30% in workers’ compensation costs.

Most companies have automobile liability exposures, even if they don’t own any vehicles. Identify your exposures and structure the right insurance program.