How itworks.
Send over what you carry now. USI’s hospitality team analyzes the whole program in-house and comes back with the findings, the fix for each one and what it is worth to you.
Book a callThe program review
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.
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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
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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
Why a review and not a quote
A carrier gives one quote a year on an account to the first broker who asks for it. What happens next decides how the market treats you.
A program review
- The market is left aloneNothing goes to a carrier until you decide. Your standing with them is untouched.
- One complete submissionWhen you do go to market the carriers see the whole group once, with its loss runs and the story behind the numbers.
- Coverage read as well as pricedEach line is checked for what it excludes and priced against what similar businesses pay.
- You send what you already haveNo applications until a change is agreed.
A quote race
- The same carriers 3 timesThe first broker to ask gets the quote. The others are turned away and the account looks shopped.
- Underwriters lose interestAn account that is being shopped gets less of their time and none of their flexibility on price.
- 3 prices for 3 different policiesQuotes on different forms and limits cannot be compared, and the gaps stay where they were.
- An application for every brokerThe same questions answered 3 times and nothing learned about the program.
What goes in and what comes out
Most groups have the documents in a folder already. The carriers send the rest on request.
What to send
- Current policiesEvery policy with its endorsements, not just the summary pages.
- Loss runsThe last 3 to 5 years of claims from each carrier. Your current broker or the carrier sends them on request.
- Leases and contractsLeases, franchise agreements and vendor contracts, so their insurance clauses are checked against the policies.
- Payroll and sales by locationWhat the premium is really based on, so the audit exposure and the comp rating can be checked.
What you get back
- Coverage gapsEach one named, with the page it is on and what a claim there would cost today.
- Premium against the marketEach line priced against what similar hospitality businesses pay, and where you are overpaying.
- RecommendationsThe fix for every finding: the carrier, the limit or the wording, and its effect on premium.
- What changes now and laterWhich fixes happen right away, which wait for the renewal date, and what to work on over the next 2 or 3 years: claims, the mod, limits and contracts.
What reviews have found
Uncovered lease obligations, underpaid property claims and comp reserves set too high.
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.
average rise in property claim values once our advocates took over one client’s claims, about $15,000 more per claim.
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.
The renewal calendar
Once the program is in place, the renewal starts about 5 months out, so the options are on your desk a month before the date instead of the week of.
- 150 days outPayroll, sales, loss runs and locations brought up to date.
- 120 days outA strategy meeting: what changed, what the claims look like, where the mod is heading, what to ask the market for.
- 90 days outOne submission to the carriers chosen for the group, with the story behind the numbers.
- 30 days outOptions on your desk, with time to decide.
Included at no additional cost
Once the program is placed, these keep it in shape through the year. There is no separate bill for them and no hourly rate.
Claim reviews
Open claims reviewed on a schedule and closed before renewal, so old claims stop pushing your premium up.
Risk control specialists
They look at your locations, find what is driving your claims and build the plan to bring them down.
Contract review
Leases, franchise agreements and vendor contracts checked against your policies, so you are covered for what you signed.
Certificate tracking
Certificates from vendors, landlords and tenants kept in one place, so you know who is really covered.
Benchmarking
See how your premiums and limits compare with businesses of your type, size and region.
Claim advocates
When a claim is denied, undervalued or delayed, your advocate pushes back on your behalf.
Is there a fee for the review?
No. USI is paid by commission from the insurance companies that write your program, or by a fee agreed with you in advance. That starts once a program is placed, and you are told which before you commit to anything.
Who does the analysis?
USI’s own hospitality team: the producer on your account, with USI’s casualty, property, claims and risk control specialists.
How long does it take?
It depends on how many locations and policies there are. You are told the date when the documents arrive.
When should we start?
About 4 to 5 months before the renewal date. To have options on your desk a month out, the carriers need the submission about 2 months out, 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.
Can you just send 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. The review comes first, and the carriers hear from us once, with one complete submission, if you decide to go that far.
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. Your broker hears about it only if you decide to move the account, and then from the carrier.
What if the findings are small?
Then the report says so. Often a program is in good shape and the review confirms it. You keep what you have, and the findings are yours to use at your next renewal.
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. If USI does not deliver what the report says, you can appoint another broker the same way.
Do I have to move everything at once?
No. The report separates what should change now from what can wait for renewal, and a line that is priced right can stay where it is.
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.