Typically, Umbrella/Excess liability limits are purchased with little analytical support and, consequently, insureds do not have a way of quantifying potential liabilities. To the extent that our competitors perform benchmarking services for your Umbrella/Excess program, many of them lack the scale or capacity to deliver the depth of analytical knowledge that USI provides.

A recent analysis found that 69% percent of a client’s industry peer group were purchasing higher Umbrella/Excess limits than the client. To validate the data, USI undertook a full review the client’s exposure and operational information, reviewed the client-specific and peer group’s large-loss history to determine trends by coverage line and geographic scope of operations. Additionally, USI reviews contractual risk transfer and assumptions, current loss control and safety programs, and internal/external legal counsel opinions on client and industry loss exposure.

USI begins by selecting your peer group based your industry, revenue size, and other information specific to your company. Next, we generate our reports based on the peer group data mined from Advisen/RIMS. Finally, we interpret the data based on your risk profile and the financial impact of our findings.