USI Insurance Services

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