$0
No separate fees
Every resource in this row comes with the program. At many large brokers the same work is billed separately, sometimes by the hour.
One team places your program and handles your claims, contracts and safety training at no additional cost.
Book a call- Included with the program:
- Risk control specialists
- Claim advocates
- Contract review
- Benchmarking
- Bilingual safety training
- HR library for all 50 states
- Certificate tracking
- Claim reviews
- Incident tracking
- Comp mod projections
Who we insure
Each kind of business has its own claims, its own carriers and its own policy wording.
Every location and every line of coverage in one program, with one renewal date.
How it works
The analysis comes first. It answers 3 questions: are you paying too much, is anything missing or excluded, and could the business be presented better to the carriers.
More about the review-
Send the current policies.
Policies with their endorsements, loss runs, leases and payroll by location. No applications to fill out, and the analysis covers all of it, not just the summary pages.
Your groupToday24policies across 8 locations
5 carriers, 9 renewal dates -
The program is analyzed in-house.
USI’s hospitality team reads every form, marks each gap with the page it is on, and prices each line against what similar businesses pay. Nothing goes to a carrier at this stage, so your standing in the market is untouched.
Your groupAnalysis- No employment coverage
- Assault and battery excluded
- Contents at half of a rebuild
- Lease asks for more than you carry
-
The findings come back in writing.
Each gap, what a claim there would cost today, the fix and its effect on premium. Nothing changes until you have read it.
Your groupReport4findings, each with the fix and its cost
Yours to keep whatever you decide -
One program is placed and managed.
The right carriers, the limits your leases require and one renewal date, with claim reviews, site visits and the renewal handled through the year.
Your groupIn force1program, renewing June 1
Next claim review in March
What usually changes
The same problems turn up in one hospitality program after another. Each has a fix.
The right program for how you operate
Every program has its own guidelines for hours, liquor, entertainment and claims. We know which ones want a business like yours, and we go to those first.
RenewsJun 1
One renewal date
Every location and every line of coverage, together.
Higher liability limits
Sometimes a higher limit on the main policy does the job of an umbrella, for less.
- Clean forms with fewer exclusions
- Billed direct with no finance charges
- Rates filed with the state
- A state fund behind them
- No surplus lines tax
Admitted carriers first
No 25% down
When a policy has to be financed, the first payment matches the other 11.
Comp that follows payroll
Premium is taken each pay period from real payroll, so the audit has nothing to find.
Fewer year-end surprises
Some liability programs are not audited on sales. We check whether yours can be one of them.
A team that knows kitchens
The practice works with restaurants and bars every day, so the first call is about your business and not a questionnaire.
1policy, every location
One comp policy
One date, one audit and one mod.
What an uncovered claim costs
A verdict above the limit, a wage claim and employee theft are paid by the business when the program leaves them out.
190
jury verdicts of $10 million or more against businesses in 2025, adding up to more than $25.6 billion.
$42.7M
in back wages was recovered from food service employers in fiscal 2025, for 30,029 workers.
$104,000
is what a typical employee fraud costs. It runs 12 months before anyone catches it.
Sources: Marathon Strategies, August 2026; U.S. Department of Labor, Wage and Hour Division; ACFE, Occupational Fraud 2026.
How Florida compares
Lawsuit rules changed in 2023, and the cost of liability claims is still rising.
20
verdicts of $10 million or more against businesses in Florida in 2025, among the 5 highest state counts.
2 years
to file a negligence lawsuit in Florida since March 2023. It was 4.
$230B
added to U.S. liability insurance losses over 10 years by rising litigation costs.
Sources: Marathon Strategies, August 2026; Florida House of Representatives, analysis of HB 837; Insurance Information Institute and Casualty Actuarial Society, October 2025.
Resources at no additional cost
USI’s specialists and tools come with the program. There is no separate contract and no hourly billing.
All 13 resourcesIncluded Risk control specialists
They look at your locations, find what is driving your claims and build the plan to bring them down.
Included Claim advocates
When a claim is denied, undervalued or delayed, your advocate pushes back on your behalf.
Included Contract review
Leases, franchise agreements and vendor contracts checked against your policies, so you are covered for what you signed.
Included Benchmarking
See how your premiums and limits compare with businesses of your type, size and region.
Included Safety training library
Bilingual safety policies, training programs and safety talks. Assign courses online and see who finished them.
Included HR library
HR resources and handbooks for all 50 states, plus a ready library of job descriptions.
Included Incident tracking
Report claims, log incidents, keep your OSHA logs and see the trends in one place.
Included Claim reviews
Open claims reviewed on a schedule and closed before renewal, so old claims stop pushing your premium up.
Included Forecasts and mod projections
What your claims are likely to cost next year, and where your comp mod is headed before it reaches your premium.
Included USI PATH
A platform that shows your top claim drivers next to 1,573+ risk control solutions, with preferred pricing and expected return.
Included Certificate tracking
Certificates from vendors, landlords and tenants kept in one place, so you know who is really covered.
Included Ask the expert
Send any safety question straight to USI’s risk control team.
Included Webinars and alerts
Safety and risk webinars, plus regulatory and compliance alerts when the rules change.
$1M
in uncovered risk found when we read the 30 leases of a restaurant chain with nearly 100 locations. The policy was changed to close it.
24%
average rise in property claim values once our advocates took over one client’s claims, about $15,000 more per claim.
$442,000
in comp reserves taken off through our quarterly claim reviews for one client. Its renewal premium fell $25,000 in the first year.
Sources: usi.com, business services; usi.com, claims management, April 2025.
Case studies
4 hospitality groups before and after a program review.
Read the case studies5 cafes
Renewal offers came in up to 65% higher. The cafes now share one admitted program on one date.
7 sports bars
One limit shared by every location and a cap on assault and battery. Now double the limit at each restaurant for about 19% less.
3 fine dining restaurants
9 policies and 5 renewal dates, being brought into 1 program as each policy renews.
A nightclub and 4 restaurants
The low premium left out the claims a club has. The new policy covers them and costs about 83% more.
Every line of coverage
Most programs carry liability, property and comp. The lines that get left out are the ones worth checking.
All lines in detailGeneral liability
A guest slips in the dining room or gets sick from a meal. This pays their medical bills, your lawyers and any settlement.
Liquor liability
Someone you served drinks too much and hurts themselves or someone else. General liability leaves this out, so it needs its own coverage.
Property
Fire, wind or a burst pipe damages the building, the kitchen or the stock. This pays to repair or replace what was lost.
Business income
A covered loss closes your doors. This replaces the income you lose and helps keep up rent and payroll until you reopen.
- Often missing
Equipment breakdown
The walk-in, the hood or the AC suddenly fails. Regular property insurance calls that wear and tear. This pays for the repair and often the food you lose.
Workers’ comp
An employee gets burned, cut or hurt on the job. This pays their medical bills and part of their lost pay. Most states require it.
- Often missing
Employment practices
A worker or job applicant claims harassment, discrimination or a wrongful firing. This pays your defense and any settlement.
- Often missing
Crime
Someone on staff takes cash, stock or money from the bank account. This pays you back for what was stolen.
- Often missing
Cyber
Hackers get into your point of sale or your email. This pays for the investigation, for telling your customers and for the income lost while you are down.
- Often missing
Directors and officers
A partner, an investor or a lender sues the owners or managers over how the business was run. This protects them and their personal assets.
Auto
A catering van or a delivery driver causes a crash, even in an employee’s own car. This pays for the damage and the injuries.
Umbrella and excess
A claim grows bigger than a policy’s limit. This extra layer pays the amount above it.
About USI
USI Insurance Services is one of the largest insurance brokers in the country. The Hospitality Practice is its team for restaurants, franchises, bars, nightclubs and hotels.
More about USI10,500+
professionals across insurance, benefits, claims and risk control.
200
offices across the country, approximately.
$3B
in annual revenue, approximately.
500,000
clients served since 1994.
Sources: usi.com.
Specialists on your account
Casualty and property analysts, claim advocates, risk control and cyber specialists. They sit in local offices and work together across the country.
Everything under one roof
Property and casualty, employee benefits, personal risk and retirement consulting, all from one firm.
USI ONE
USI’s own analytics and its national network of specialists, brought together in one planning process to show what the program is really costing you.
Research before the first call
Licenses, company filings, inspections, comp coverage and franchise documents are read before the call, so it starts with what is already known about the group.
What happens on the first call?
You walk us through the group: locations, entities, what you carry now and anything that is bothering you. We tell you what we see and whether a program review makes sense. If it does, you send the current policies and the review starts. Nothing is signed and nothing is filled out on the first call, and if the practice is not the right fit for the group we say so.
Can you just send us a quote?
We can, but a quote race works against you. A carrier gives one quote a year on an account to the first broker who asks for it, so when 3 brokers send the same account to the same carriers, each underwriter sees it being shopped and gives it less time and none of their flexibility. The review comes first: what you have, what it leaves out and what it should cost. Then the carriers hear from us once, with one complete submission, if you decide to go that far.
We are happy with our broker. Why review?
Many groups are, and often the review confirms the program is sound. Then the report says so and you keep what you have. What the review settles is what you get for the commission already inside your premium: claims reviewed before renewal, a plan for the comp mod, contracts read against the policies, the renewal started months out. If you are getting all of that, the report will show it.
We just renewed. Is it too late?
No, it is the best time. A review done now is finished months before the next renewal, which is when the carriers need a complete submission. Anything that cannot wait, a missing line or a lease requirement, is fixed mid-term.
When should we start before a renewal?
About 4 to 5 months out. To have options on your desk a month before the date, the carriers need the submission about 2 months before it, and they take 4 to 6 weeks to do their best work. A review that starts 30 days out is rushed and priced that way. If your date is closer than that, start anyway: what cannot be done by the date is done after it.
What does the review cost?
Nothing. USI is paid by commission from the insurance companies, or by a fee agreed with you in advance, once a program is placed. The analysis and the written findings come first, and they are yours whatever you decide.
What do I need to send?
Current policies with their endorsements, loss runs for the last 3 to 5 years, your leases and payroll by location. Your current broker or the carriers send loss runs on request. There are no applications to fill out.
Will my current broker know?
Not from us. Nothing goes to a carrier during the review, there are no applications, and loss runs can be requested from the carriers in your name. You do not have to leave your broker to get the review, and if the findings do not justify a change you keep what you have. Your broker hears about it only if you decide to move the account, and then from the carrier.
What changes on day one if we move the account?
Only who represents you. A broker of record letter appoints USI on the policies you already have, so the carrier, the coverage and the price stay as they are until the findings are carried out at your pace. Your former broker is told by the carrier and may call. If USI does not deliver what the report says, you can appoint another broker the same way.
What does no additional cost mean for the resources?
The risk control, claims, contract, training and HR resources come with the program. There is no separate bill for them and no hourly rate. What applies to you depends on your program, and it is gone through on the first call.
My landlord wants a $10 million umbrella. Do I have to buy it?
Not always. Lease clauses are often written for a different kind of tenant. We negotiate them on your behalf, and sometimes a higher limit on the main policy satisfies the landlord for much less than an umbrella that excludes the very claims you worry about.
Is USI an insurance company?
No. USI is a broker and consultant. We work for you and place your program with the insurance companies that fit it best. We are paid by commission from those companies or by a fee agreed with you in advance, and we tell you which before you commit to anything.
Start with a program review.
Book a call and walk us through the group. If a review makes sense, you send the current policies and the findings come back in writing.