There are a few different ways to add video content into a Ceros Experience. In this case we are using the "Embed Object" tool to pull a Youtube video into Ceros.
You can also drag and drop video files directly from your desktop into the Ceros Studio.
We created a somewhat more advanced image carousel that accomplishes a few things - showcasse a new image, switches out the number icon, and hides all of the other image/number layers.
But don't recreate the wheel - simply select the different images and use "Replace Image" to add in images of your own.
Use the baked-in social sharing interactions to allow users to share your piece on their favorite social network. As a bonus, we will automatically track these social shares on our analytics platform.
Use a "Pulse" animation set to repeat with a long duration to create a bit of movement without distracting your user.
Couple your beautiful imagery with bold text treatments for a truly unique look.
Use hotspots and interactions to create global navigation within a piece. In this case, we created one menu smart group that can be copy and pasted across pages. This way, anywhere we make a change will be reflected across every menu item.
1800px x 9618px
Templates - Editorial Content
This long scrolling editorial piece is a beautiful way to showcase a ton of information in an easy to digest format. This piece can exist as a standalone piece of content or be embedded on your own web property.
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increase in property rates for CAT and non-CAT property with minimal loss history and good risk quality
decrease in public D&O rates
increase in general/product
liability rates
2024 rate changes at a glance
Top 5 Trends To Watch In 2025
TRENDS TO WATCH
Mid-Year Addendum
TOP 5 TRENDS TO WATCH IN 2025
USI Insurance Services’ 2025 Commercial Property & Casualty Market Outlook provides insights from our experts on recent insurance market changes, and forecasts the trends you need to know for 2025.
Explore the below trends to watch — recent developments in certain insurance lines that may evolve over time and require you to reassess your insurance coverage.
We have also updated USI's Historical Rate Index Charts for key lines of coverage. These charts offer a comprehensive perspective on the trajectory of rates from 2018 to present day.
POSITION YOURSELF ADVANTAGEOUSLY FOR RENEWAL.
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xpect the unexpected in today’s market as insurers continue to shift their appetite and capacity offerings. Approach your renewal from a fresh perspective, equipped with robust data, extensive analytics, proven strategies, and risk differentiation.
USI Insurance Services invests in tools, technology, and talent to provide unprecedented insight into your portfolio to help you design and deliver a cost-efficient insurance program. To see how, read our full report: 2024 Commercial P&C Market Outlook: Mid-Year Addendum.
CEROSCONTENT
Casualty: For workers’ compensation, the rate and pricing environment in most U.S. states remains competitive. General/products liability is challenging, but with flat renewals in some industry segments.
International: New capacity for reinsurers and increased competition from insurance companies have decreased rates compared to our previous projections. .
LEARN HOW TO POSITIVELY INFLUENCE YOUR INSURANCE COSTS, COVERAGE AND OVERALL RISK QUALITY.
To see how, read our full 2024 Commercial P&C Market Outlook: Mid-Year Addendum.
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*For both natural catastrophe (CAT) and non-CAT property with minimal loss history and good risk quality.
Access FULL report
Despite advancements in medical technology, diagnoses of cost-driving conditions like obesity, diabetes, and cancer have been increasing in the U.S. — leading to higher health plan spending for employers.
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Property: Large rate increases from 2023 have mostly subsided for the broader market. Rates are flat to up 10% for both natural catastrophe (CAT) and non-CAT property with minimal loss history and good risk quality.
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Property: Large rate increases from 2023 have mostly subsided for the broader market. Rates are flat to up 10% for both natural catastrophe (CAT) and non-CAT property with minimal loss history and good risk quality.
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Pharmacy spending has grown significantly, driven by higher drug prices and new therapies. Costly treatments like gene therapy, biosimilars, and GLP-1s will continue to increase health plan premiums at renewal.
A new legislative agenda and the removal of the Chevron deference may make managing benefits compliance more confusing for organizations. This uncertainty could potentially lead to higher costs and an increased risk of penalties and fines.
The environmental insurance market remains stable, with new carriers potentially offering innovative coverage solutions in 2025. As regulatory scrutiny intensifies, obtaining coverage for per- and polyfluoroalkyl substances (PFAS), or “forever chemicals,” has become more challenging.
The international insurance market shows mixed trends: property insurance rates are flat or falling, except in catastrophe-exposed areas, while casualty rates are rising due to litigation costs and regulatory changes.
Top TRENDS
Click here to view the rate index charts.
View the carousel below for the top 5 trends in 2024 across commercial insurance lines
Surging pharmacy costs increase health plan premiums
Wondering about other lines of coverage? View our Historical Rate Index Charts for all 2024 rate forecasts.
Declining health drives employer spending
Emerging compliance challenges increase risk
Growing demand for environmental insurance
Mixed conditions in international insurance
Access FULL report
Organizations should implement comprehensive wellness solutions that improve health outcomes and reduce the risk of catastrophic claims.
Insights From USI's 2025 Employee Benefits Market Outlook
Organizations should review their pharmacy strategy and make changes to reduce the impact on overall health plan spending.
LEARN HOW YOUR ORGANIZATION CAN PREPARE FOR THESE CHALLENGES AND BETTER MANAGE BENEFITS SPENDING.
Proven strategies to reduce benefits spending
Lower pharmacy spending on average with plan design changes
Average savings on healthcare spending with increased primary care engagement
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mployers are encountering several challenges this year that will affect how they manage benefits spending. USI Insurance Services’ 2025 Employee Benefits Market Outlook provides insights from our experts on the healthcare and compliance trends impacting benefits administration and costs in 2025.
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usi.com
Organizations should pay careful attention to new regulatory challenges and changes to reduce the risk and expense of noncompliance.
Top 3 Trends To Watch In 2025
xpect the unexpected in today’s market as insurers continue to shift their appetite and capacity offerings. Approach your renewal from a fresh perspective, equipped with robust data, extensive analytics, proven strategies, and risk differentiation.
USI Insurance Services invests in tools, technology, and talent to provide unprecedented insight into your portfolio to help you design and deliver a cost-efficient insurance program. To see how, read our full report: 2025 Commercial Property & Casualty Market Outlook.
E
learn how to positively influence your insurance costs, coverage and overall risk quality.
Top 5 Trends to watch in 2025
Click here to view the rate index charts.
Casualty: For workers’ compensation, the rate and pricing environment in most U.S. states remains competitive. General/products liability is challenging, but with flat renewals in some industry segments.
International: New capacity for reinsurers and increased competition from insurance companies have decreased rates compared to our previous projections. .
Mid-Year Addendum
To see how, read our full 2024 Commercial P&C Market Outlook: Mid-Year Addendum.
2025 rate PROJECTIONS at a glance
decrease in public D&O rates
increase in primary general/product liability rates
*For both natural catastrophe (CAT) and non-CAT property with minimal loss history and good risk quality.
0%-10%
0%-5%
This long scrolling editorial piece is a beautiful way to showcase a ton of information in an easy to digest format. This piece can exist as a standalone piece of content or be embedded on your own web property.
Templates - Editorial Content
1800px x 9618px
Use hotspots and interactions to create global navigation within a piece. In this case, we created one menu smart group that can be copy and pasted across pages. This way, anywhere we make a change will be reflected across every menu item.
Use a "Pulse" animation set to repeat with a long duration to create a bit of movement without distracting your user.
Couple your beautiful imagery with bold text treatments for a truly unique look.
Use the baked-in social sharing interactions to allow users to share your piece on their favorite social network. As a bonus, we will automatically track these social shares on our analytics platform.
We created a somewhat more advanced image carousel that accomplishes a few things - showcasse a new image, switches out the number icon, and hides all of the other image/number layers.
But don't recreate the wheel - simply select the different images and use "Replace Image" to add in images of your own.
There are a few different ways to add video content into a Ceros Experience. In this case we are using the "Embed Object" tool to pull a Youtube video into Ceros.
You can also drag and drop video files directly from your desktop into the Ceros Studio.
Top TRENDS
Property insurance market stabilizes
The property insurance market is stabilizing with ample capacity due to favorable underwriting results. However, risks like senior and affordable housing, frame apartments, vacant properties, and foreclosures are still hard to place.
Organizations should improve risk profiles and adopt strong risk management practices to take advantage of available capacity and secure favorable terms.
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Challenges in casualty insurance
Organizations should proactively manage claims and implement safety measures to reduce costs and secure stable coverage.
Property: Large rate increases from 2023 have mostly subsided for the broader market. Rates are flat to up 10% for both natural catastrophe (CAT) and non-CAT property with minimal loss history and good risk quality.
Workers’ compensation rates and premium are continuing to decline overall, but at a much slower pace than prior years. The commercial auto market remains cautious about providing coverage, and the general liability market is facing legal challenges that are increasing settlement costs.
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Emerging executive & professional risks
Organizations should monitor regulatory changes and invest in risk management strategies.
Directors and officers (D&O) liability remains a key area of concern, with new risks from securities class actions and AI-related deceptive claims. Healthcare and financial services face increasing costs in employment practices and fiduciary liability claims.
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Insights From USI's 2025 Commercial Property & Casualty Market Outlook
Access FULL report
usi.com
