USIresources.
13 services that come with the program at no additional cost: risk control, claims, contracts, training and HR.
Book a call13 resources
Every one comes with the program. There is no separate contract and no hourly billing.
- Included
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.
What they have been worth
Contract review, claim advocacy and quarterly claim reviews on client accounts.
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.
2026 mid-year market outlook
Where our national practice leaders expect rates to go in the second half of 2026, for the lines a hospitality program carries.
- Property with storm exposuredown 20% to flat
- Property withoutdown 10% to flat
- General liabilityup 2.5% to 10%
- Umbrella and excessflat to up 15%
- Workers’ compdown 5% to up 7%
- Employment practicesflat to up 10%
- Cyberflat to up 5%
- Crimeflat to up 5%
Forecast rate change for the second half of 2026. Property ranges are for accounts with few losses and a favorable risk profile; workers’ comp is guaranteed cost and depends on the state; umbrella is for middle market accounts; cyber assumes the core security controls are in place.
- Storm-exposed property is fallingAfter a quieter 2025 hurricane season, carriers cut rates, lowered named storm deductibles and added capacity in the first half of 2026.
- Liability is still risingGeneral liability and umbrella are forecast to keep going up, with litigation costs behind it.
- Building values need checkingRebuilding costs rose about 4.1% in a year. A building insured below its real value can limit what a claim pays.
- Start earlyThe report’s advice for liability renewals is to start at least 150 days before the date.
No separate bill
USI is paid by commission from the insurance companies, or by a fee agreed with you in advance. The resources come with that. At many large brokers the same work is billed separately, sometimes by the hour.
- No consulting contractNothing to sign beyond the program itself.
- No hourly rateA question to risk control or a contract sent for review does not start a meter.
- USI’s own specialistsThe people doing the work sit in USI offices across the country.
What does no additional cost mean?
The resources come with the program. There is no separate bill for them and no hourly rate. USI is paid by commission from the insurance companies that write your program, or by a fee agreed with you in advance. You are told which before you commit to anything.
Who does the work?
USI’s own risk control specialists, claim advocates, analysts and HR and safety staff, in USI offices. They work with the producer on your account.
Do all 13 apply to every client?
What applies depends on the program and the carrier, and it is written into your service plan. Go through the list on the first call and ask for anything on it.
How do I use them?
Through your USI team and USI’s client platform. Risk control visits and claim reviews are scheduled with you. The training library, HR library and incident tracking are online.
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.