Insights & Guidance From USI Experts

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.