Insights & Guidance From USI Experts

Small businesses invest heavily in employee benefits, yet many struggle to see the return. Engagement, trust, and retention suffer when employees don’t understand their benefits. A strategic, ongoing benefits communication approach can help you maximize your benefits investment and strengthen your employees’ experience.

Understanding how insureds and additional insureds impact your policy can reduce your company’s exposure to risk and prevent uncovered losses.

Benefits benchmarking provides the missing context that renewals alone can’t deliver — helping employers understand what’s driving their increases, how their benefits compare to similar organizations, and which strategies can reduce spending without eroding competitiveness.

Gain control over your property insurance costs by understanding the characteristics underwriters use to evaluate risks and determine premium.

If you don’t already have one for your employees, a 401(k) plan can strengthen your benefits offering — and your business.

When an employee is injured while working in another state, that employee can request the benefits under that state’s workers’ compensation laws.

These insights from USI national practice leaders cover emerging trends, economic drivers, and risk considerations shaping the insurance landscape for the year ahead.

Employers can help employees maximize retirement savings by leveraging tax-advantaged health savings accounts alongside traditional retirement plans.

Efficiently managing time-consuming administrative tasks allows employers to focus more on strategic priorities that drive business growth. Learn how comprehensive benefits, HR, and compliance solutions can help.

Cargo risks can be substantial and are often underestimated by small business owners. Learn common cargo insurance issues and tips to help protect your business.

Reviewing your company’s workers’ compensation class codes and payroll exposure can lower premiums by up to 30%.

As the new year approaches, employers will face several compliance deadlines that may impact their health and welfare plans. Learn how small businesses can stay ahead and avoid costly penalties and fines.

Higher premiums and the end of tax credits for ACA Marketplace health plans could lead to a surge in employer health plan enrollment for 2026. What can small businesses do to prepare?

How your company structures health plan contributions may be steering employees toward higher-cost options. Learn how to guide them to the most cost-effective plans that meet their needs — while saving your business money.

Companies frequently enter into contracts with third parties — without knowing if their insurance covers the risks and liabilities they’re assuming. Learn what you can do to protect your business from coverage gaps and uninsured losses.

When employees feel supported in navigating their benefits, they’re more likely to trust their coverage — and their employer. Learn how USI’s Benefit Resource Center (BRC) delivers expert support for employee benefits questions and claims issues, giving small businesses a powerful way to boost satisfaction and reduce HR strain.

Many businesses carry uninsured/underinsured motorist coverage, without knowing how it protects them — causing them to carry unnecessarily high limits that increase overall premium costs.