Find out what your current program is missing
A full review of your current insurance program, benchmarked against similar Florida hospitality groups. We show you what isn't covered, what you're paying for that you don't need, and what to change before renewal. No cost and no obligation.
What a program review involves
Analyze
A 20-minute call about how your business runs, then your policies and loss runs. We read every form and exclusion across your locations and benchmark what you pay.
Plan
A plain-English summary of what's covered, what isn't, and what we'd change, with a renewal plan that starts 120 days before your dates.
Deliver
We take your program to carriers that want hospitality business, line up your policy dates, and stay with you through claims and the next renewal.
A review you can act on, whether or not you move your program
A plain-English summary
What's covered, what isn't, and what it would cost to fix, in two pages you can read on your phone.
A gap list
Every Exclusion, Sublimit and missing endorsement we found, with where it sits in your forms.
A benchmark
Your limits, deductibles and premiums against similar Florida groups, so you know where you stand.
A renewal plan
Dates, documents and decisions, laid out from 120 days before your renewal to the day you bind.
The gaps we find most often
Hover over or tap any line for a plain-English definition.
Three things
Your current policies
The declarations pages and forms for each line. If you don't have the forms, we request them from your carriers.
Your loss runs
Three to five years of loss runs. We can request these too.
Twenty minutes
A call about how your business runs: locations, concepts, liquor, delivery, staffing and what's worrying you.
The renewal clock
Renewal in less than 60 days? Book now. There is still time to compare, and the review is useful even if this year stays where it is.
Ready for a second look?
Book a 20-minute call. The review is free, and it's yours to keep either way.
Joey Anderton, Hospitality Insurance Advisor · 305-518-1208 · joey.anderton@usihp.com
Before you book
What does a program review involve?
We read your current policies and loss runs, compare limits, exclusions and deductibles across your locations, and benchmark what you pay against similar groups. You get a short written summary of what's covered, what isn't, and what we'd change.
Do I have to leave my current broker?
No. The review is yours to keep either way. If you decide to work with us, a broker of record letter moves your policies to USI without canceling them or changing your coverage.
How long does the review take?
The first call is about 20 minutes. We give you a timeline for the full review on that call, based on how many locations and policies you have.
Who will actually manage my account?
Joey Anderton, a hospitality insurance advisor at USI in Coral Gables, is your day-to-day contact. Behind him are USI's claims advocacy, risk control and service teams.
What does it cost?
Nothing. There is no charge for the review and no obligation.
Do you work with groups outside Florida?
Yes. USI has offices across the country, so groups with locations in several states keep one program and one team.