This document provides information on the specialty retail, wholesale, and distribution insurance and employee benefits program offered by USI. The program offers comprehensive commercial insurance including property and liability coverage as well as employee benefits. USI has over 50,000 clients and is the largest privately held brokerage in the US specializing in these industries. They have local offices nationwide and deep expertise in risks facing specialty retail and distribution businesses.

1. Specialty Retail, Wholesale
& Distribution Program
Commercial Insurance & Employee Benefits
Commercial Insurance 50,000 Clients CAN’T be wrong!
• Property and Stock Throughput
When you have a specialized need, you call in
• General Liability
an expert with the specific knowledge and
• Fulfillment Services and Internet E & O experience you need.
• Workers Compensation
Plenty of Insurance brokers say they can provide coverage for your
• Automobile Liability business, but do they understand the unique risks that you face? Take
• Excess/Umbrella stock throughput, perishable property coverage or pair and set
clauses. They come with their own set of issues and few brokerages
• Bonds
firms are truly knowledgeable about these issues.
• Trade Credit
This makes choosing an insurance brokerage firm one of the most
• Inland/Ocean Transit import decisions you will make. You need a broker who knows your
• Political Risk business inside and out – and one who will simply place your
insurance.
• Director’s & Officers Liability
• Employment Related Practices Liability
The NOW way to purchase insurance for your business.
• Professional Liability National Perspective
• Crime
• Largest privately-held brokerage in the US
Employee Benefits • Leading Specialty insurance Broker in the Nation.
• Medical: PPO, POS, HMO, HSA, HRA • 81 offices nationwide in 24 states with office headquarters in New York.
• Dental: PPO, DMO •3,500 employees.
• Life: Group Term, Whole
Local Presence
• Disability: Short Term, Long Term
• Over $1 Billion annualized premiums written in Tri-state area.
• COBRA Administration, Technology
• 1,500 + clients
• Legal & Compliance Guidance
• Local Presence on all major carrier advisory boards
• Wellness Consulting
• Average client retention rate of 95% + over the past three years
Wealth Management
•Life & Disability For More Information, Please Contact:
•Estate Planning
Richard D. Hyder-Slater
•Business Succession Senior Vice President,
•Annuities Commercial Insurance Practice
(212) 842 3765
Richard.hyder-slater@usi.biz

2. How are we different?
USI’s Specialty Program Will Include: Does
Your
Advisor
Provide
?
The ‘Soft’ market? The ‘soft’ property and casualty marketplace has allowed companies to reduce
their premiums significantly - but at what cost to your broker or carriers profits?
Are you getting the right coverage’s and limits for your money? Have
coverage’s been reduced along with premiums?
Full Service Value? Now more then ever you should ensure that your broker is not cutting corners to
maintain his profits – are you truly getting ALL of the services that a broker can
provide? What is your broker holding back?
Industry Expertise? If you ask your broker if you have the right coverage’s for your business, does
he/she really know?
With thousands of clients specific to your industry – USI knows!
Carrier Leverage USI is the 8th largest insurance broker in the US and the pre-eminent
broker to Middle Market businesses. The volume of business we bring to insurers
means that USI and its clients are always a priority which gives USI the ability to
obtain the best renewal terms possible.
Proactive Account USI will provide a team of designated experts who are dedicated to meeting
Management Team your needs. Your team will consist of your Account manager, Claims
Advocate and Loss Control Specialist. All members work together to ensure
you get the attention to detail you deserve.
12 Month Service USI’s Account Management Team will work with you to develop & implement a
Calendar 12-Month Service Calendar. This will ensure all service commitments and
timelines are being met, in addition to, ensuring advanced renewal strategies
can be implemented.
Loss Control and USI employs full time Loss Control Specialists and Claims Advocates that
Claims Advocacy can help navigate potential legal related issues or questions you may have.
Loss Forecasting and USI provides actuarial expertise to allow you to take control of the program
Collateral Reviews design process by not relying upon carrier off the shelf products and to review and
challenge the security requirements of loss sensitive plans.
Experience Mod and Take control of Experience Modification factor or Classification accuracy by not
Classification Review relying on the NCCI or the carrier to dictate rates. USI provides a regular review of
the EMR and both Workers Compensation and General Liability classifications to
ensure accuracy and reduce premium.
Benchmarking and USI will provide you with benchmarking and CAT modeling data from
CAT Modeling national and regional resources to ensure you have adequate limits based on your
company size and industry to allow for sound decisions in purchasing coverage.
Manuscript Wording USI’s proprietary program is customized and tailored to the exposures unique
to your industrial segment. The manuscript form is pre-negotiated for contract
certainty. It provides expanded coverage for the same or lower premium dollar
and ensures that the policy responds as expected to a covered event and
eliminates all and any coverage gaps.
Technology Resources USI provides a variety of technological resources for the employer including our
proprietary Risk Management website portal.