Insights & Guidance From USI Experts

Looking for a flexible alternative to group health plans? An ICHRA can give employees more choice while helping your business control cost and simplify benefits.

Learn how contingent business interruption coverage can safeguard your income when a key supplier or customer suffers a loss that impacts your operations.

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.

Employers with a better-than-average claims experience could find value in switching to a level-funded health plan.

Employers that switch to a high-deductible health plan to reduce spending should consider including a health reimbursement arrangement to maintain employees’ benefits experience.

Review your business’s general liability exposure base and class codes to ensure appropriate underwriting, improve market selection, and reduce premiums by up to 30%.

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

Review claims for proper reserving and timely closure to reduce your workers’ compensation premium — by as much as 30%.

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.

Even if you rely on FEMA’s National Flood Insurance Program to secure flood coverage for your business, better alternatives exist in the private marketplace.

Small businesses can enhance HR capacity, offer richer benefits, manage risks and achieve growth with the full-service expertise and support of a professional employer organization (PEO).

Many companies don’t realize they have significant exposure to uncovered losses when employees use a hired or non-company-owned vehicle for work purposes.

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.

Reduce costs and better compete against larger companies this year with a comprehensive approach to employee benefits, retirement and compliance.

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

Failing to establish accurate values for your company’s property can result in underinsured losses.

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

Prevent uninsured employment practices liability (EPL) claims involving “non-traditional” employees.