Case Study
How USI helped a hospitality client take control of their insurance market ask by pre-underwriting their property exposures — and securing better results.
Issues and Solutions
Positive Financial Impact
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With a targeted approach, USI helped the client take control of the marketing and placement process. Leveraging our pre-underwriting tools, including CAT modeling and proprietary analytics, we accelerated and improved negotiations by developing our own "ask" of insurance carriers — resulting in a 20% property premium reduction.
USI Insurance Services is proud to serve over 500 hotel and lodging clients in 47 states. Our dedicated hospitality practice specializes in customer insurance and risk management solutions that drive positive financial impact and enhance coverage for hotel and lodging owners.
Background
The owner of multiple hotels in the Southeast was concerned about rising premiums for hurricane and catastrophic coverage, coupled with market-forced deductible increases.
Many brokers take a passive approach by simply responding to quotes from insurance carriers because they do not have the ability to pre-underwrite property exposures. This leaves the carrier unchecked and often leads to coverage that is both inadequate and overpriced.
20%
Premium Reduction
$100,000
Premium Savings
measurable results
USI uses the same catastrophe risk modeling that insurance companies use for major cost-driving events — but we then take a closer look to identify which locations may be driving most of the estimated loss.
Our experts then gather specific information on those properties, including building design and resiliency measures, and run it through modeling again. This second look often generates a lower loss estimate. Using this data, USI negotiates with carriers, and this can result in more favorable insurance pricing and terms and conditions.
OPPORTUNITIES
— USI Hospitality Client
With USI, we've been able to right-size our property/casualty coverage, identify additional business risk, and achieve more competitive pricing.
Savings and Coverage Enhancements for Hotel
and Lodging Clients
By pre-underwriting and differentiating your risk, we put you in control.
With our extensive market access and leverage, including large and specialty carriers, our clients typically see a reduction in their cost of risk.
of all workdays lost
65%
Achieve premium
impact between
10-30%
The facility lacked state-of-the-art surveillance capabilities
#hashtag
USI helped improve security camera use to document fall incidents. New state-of-the-art cameras with artificial intelligence send alerts when the system detects unusual behavior. The cameras also serve as a training tool for workers and a deterrent for fraudulent claims. Additionally, USI helped implement the use of wearable technology equipped with location tracking and fall detection.
The company had an ineffective return-to-work policy in place
#hashtag
USI helped the client initiate a light-duty
return-to-work program to ensure injured employees could come back to work sooner.
An inadequate jobsite layout and improper personal protective equipment resulted in slippery walking surfaces
#hashtag
USI helped formulate an engineering control to divert oil away from travel paths. USI also recommended the use of non-slip floor polish in travel path areas, and non-slip footwear for slippery areas. As a result, the client saw a 55% decrease in slip-and-fall injuries.
The client lacked a tracking method to monitor prevention measures
#hashtag
USI helped the client develop a dashboard tracking system to be updated weekly, including the status of preventive measures to combat conditions that led to falls.
Dashboard
Tracking System
Jobsite Layout Optimization
Improved Policy Implementation
Security System Upgrades
The client used an unsophisticated incident investigation process
#hashtag
USI helped implement a thorough incident investigation process and claims management plan for slip, trip and fall claims. The client saw a 62% reduction in total incurred claims.
Investigation Enhancements
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Issue:
Building updates not reflected
By using CAT modeling and USI's proprietary analytics, we saw material changes to reduce the client's costs, including:
Incorrect window protection selected on the largest property
Roof covering on the oldest property was not updated
CAT Modeling and Proprietary Analytics
Solution
Issue:
Vulnerability to adverse events
USI's risk management team evaluated the client's insurance coverage and limits, assessing whether the premium cost was reasonable and appropriate.
CAT Modeling and Proprietary Analytics
Solution
Issue:
Understanding the right balance between limits and costs
CAT modeling illustrated how much risk was present, allowing the client to make informed decisions — resulting in a 5% premium impact.
CAT Modeling and Proprietary Analytics
Solution
