How USI helped a company secure $900K in D&O protection and save 10% on premiums
$10K
Savings
$900K
Added protection
10%
Premium reduction
This was achieved by securing coverage from a competitive, market-leading ExecuSafe insurer.
Improved coverage terms added $500K in Side A protection and eliminated restrictions that could impede a typical $400K loss.
PROPERTY & CASUALTY
CASE STUDY
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A private company faced overpriced directors & officers (D&O) insurance with broad exclusions, leaving significant gaps and potentially exposing the leadership team to considerable personal and professional risk.
Recognizing the urgent need for improvement, the company sought a comprehensive solution — one that would not only secure more robust coverage but also reduce costs and address emerging risks that could threaten its financial stability and strategic objectives.
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Authoritatively fabricate e-business
Conveniently administrate virtual services with client-centric growth strategies. Continually initiate highly efficient deliverables with extensive core competencies. Appropriately network go forward deliverables after cross-media services. Seamlessly disseminate extensible infrastructures
Efficiently strategize collaborative
Seamlessly parallel task dynamic markets via multifunctional outsourcing. Distinctively visualize user friendly infomediaries vis-a-vis market-driven e-commerce.
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PROPERTY & CASUALTY
CASE STUDY
All enhancements were secured at a 10% lower premium, thanks to USI's market expertise and insurer relationships.
A successful individual met with USI to discuss concerns he had about his liability coverage. Using our Maximizing Wealth Protection solution, we identified that his current $1 million policy was inadequate, given his assets and potential risks. Along with other insurance program improvements, we recommended an increase to $15 million in liability coverage.
After switching to USI and implementing our recommendations, the client was involved in a serious accident involving a cyclist. He was then served with a lawsuit for $2.5 million for the cyclist's injuries.
Background
By the Numbers
SOLUTIONS and results
USI conducted a thorough review and identified critical gaps in coverage. USI’s ExecuSafe program delivered a tailored overhaul of the company’s D&O insurance. Key enhancements included:
Read our article to learn more about why pre-negotiated D&O liability terms matter more than ever — and how USI's ExecuSafe program delivers specialized, strategic management liability solutions.
Connect with one of USI's experts to set up a personalized consultation.
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Greater flexibility in EPL claim settlements – Restricted the insurer’s ability to impose significant co-insurance if the company chose to continue defending a claim after a settlement was agreeable to the claimant and insurer.
Increased Side A coverage – Raised the limit from $500,000 to $1 million, providing an additional $500,000 in loss protection.
Narrowed pollution exclusion – Limited the exclusion to the company only, preserving coverage for directors and officers named in litigation — a crucial change, as average D&O losses for privately held companies can approach $400,000.
Narrowed fraud/conduct exclusion – Ensured defense cost coverage for both the company and alleged wrongdoers until final adjudication or settlement, addressing a major financial risk for private and nonprofit organizations.
Up to
Added protection