USI Insurance Services

USI honors Juneteenth, a day marking the end of slavery in the United States and a moment to reflect on freedom, progress, and continued opportunity for all.

On June 19, 1865, federal troops arrived in Galveston, Texas, ensuring that enslaved people were finally freed. Today, we recognize the significance of this history and the importance of building stronger, more connected communities.

Our offices are closed today in observance of Juneteenth. We wish our clients and team members a meaningful and reflective holiday.

Fully insured health plan renewals are becoming harder for small businesses to manage, especially as healthier groups leave the community-rated market and rates continue to climb. For employers with better-than-average claims experience, level funding may offer a more strategic path forward — combining predictable monthly costs with the potential for savings and added flexibility.

See how this approach can help small businesses regain control over benefits spending without taking on the full risk of self-funding: https://usi.info/3SfP7Od

After years of disruption, the personal insurance market is showing signs of stabilization in 2026. However, insureds are still facing plenty of challenges: higher deductibles, tighter underwriting, and more individualized pricing are becoming the norm as insurers respond to climate-driven losses, rising rebuild costs, and persistent claim severity.

For homeowners and families, renewal outcomes depend more than ever on property-specific risk factors, loss history, and mitigation efforts. Learn more: https://usi.info/4x33tBH

Health plan costs keep climbing, but many employers still have limited visibility into what’s driving increases or which funding strategies could create meaningful savings.

As renewal pressure grows, more organizations are exploring alternative funding options that offer greater control, flexibility, and alignment with actual claims experience. Learn how strategies like level funding, captives, and self-funding can help reduce costs and improve long-term sustainability: https://usi.info/4emhbHt

Just released: USI's 2026 Commercial P&C Market Outlook Mid-Year Addendum highlights updated insurance rates and market trends from the past six months, with guidance from our experts to help you anticipate challenges and opportunities. Access the full report here: https://usi.info/3SgF1ww

June is Pride Month at USI, a time to celebrate the power of authenticity, community, and connection. We are proud to recognize the impact and leadership of LGBTQ+ colleagues and communities while continuing to build a workplace where everyone can show up, contribute, and thrive.

This Memorial Day, we remember all who have given their lives in service to our country and the cause of freedom here and around the world. We are forever grateful for all you have sacrificed.

Disasters don’t wait, and the risks are growing. From hurricanes and wildfires to flooding and severe storms, natural disasters are becoming more frequent and costly — putting people, operations, and long-term growth at risk.

Preparation is both a safety measure and a strategic advantage. Businesses that plan ahead are better equipped to protect their people, minimize disruption, and recover faster when the unexpected happens. In fact, proactive preparedness can significantly reduce financial losses and accelerate recovery timelines.

The question isn’t if a disruption will occur — it’s whether you’re ready. Explore practical strategies to strengthen resilience, safeguard your operations, and support your team before, during, and after a disaster: https://usi.info/3RpSqC7