Amelia Risk vs USI Insurance Services Workers’ Compensation Insurance

USI cites a $1.2 million EBITDA case study for a private-equity portfolio company's workers' comp program; Amelia Risk's process description carries no comparable outcome.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. ^6,^7,⁸

Read the USI Insurance Services profile

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Segmented Practices Versus One Uniform Process

USI splits workers' comp service across separate named practices: property & casualty for middle-market clients broadly, private equity for portfolio companies, and healthcare for hospitals and physician groups. ⁹ ¹⁰ ¹¹ Amelia Risk instead applies the same four-step brokerage process to every workers' comp request, regardless of client type. ²

A Quantified Case Study Versus No Comparable Outcome

USI's Private Equity team describes a specific, quantified engagement:

USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. ¹⁰Company-reported. Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account.

Amelia Risk's reviewed page describes only the mechanics of gathering information, approaching insurers, reviewing quotes and letting the client decide, without a comparable dollar or timeframe figure for the outcome. ²

How You Reach Each Broker

USI directs workers' comp inquiries to a named email address or a local office. ⁹ Amelia Risk's page does not name a specific contact channel, describing only the four steps of the process itself. ⁵

What to Confirm in Workers’ Compensation Insurance Quotes

Ask USI whether its cited $1.2 million case study reflects results typical for businesses your size. ¹⁰
Ask Amelia Risk which insurers it approached for your quote and why it recommended the resulting one. ²
Get the issuing insurer from both; neither reviewed page names one. ⁹ ⁴
If your business is a private-equity portfolio company, ask USI whether you'd be served by its PE practice or its general property & casualty team. ⁹

Offering Details

Amelia Risk vs USI Insurance Services Workers’ Compensation Insurance: documented features by provider

Criteria	Workers Compensation	USI Workers' Compensation Brokerage
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. ⁵Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	USI is a broker for workers' compensation insurance. It advises on and places coverage across its property & casualty, private equity and healthcare practices rather than underwriting the risk itself. ^9,^10,¹¹Company-reported. Property & Casualty, Private Equity and Healthcare practice pages.
Issuing Insurer	The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. ^4,²Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.	None of the reviewed pages names the insurer USI uses for workers' compensation placements. ⁹Not publicly disclosed. Pages as read on 2026-09-23.
Who It’s For	Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. ⁴Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state.	USI's property & casualty team serves middle-market clients broadly; its Private Equity practice separately handles workers' compensation for portfolio companies of financial and strategic buyers, and its Healthcare practice covers hospitals, physician groups and related facilities. ^9,^10,¹¹Company-reported. Company description of client segments for each practice.
Coverage Features	Amelia Risk describes Workers Compensation as statutory coverage required by all 50 states, paying an injured employee's medical bills when the employee is hurt or injured at work. ⁴Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. ⁴Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component.	USI lists Workers' Compensation among the risk exposures its property & casualty team advises on, and separately among the specialty coverages its Healthcare practice places. ^9,¹¹Company-reported. Catalogue listings; actual insuring agreements and state-specific requirements are set by the issued policy.
Limits and Retentions	Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. ⁴Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule.	None of the reviewed pages publishes workers' compensation limit or experience-modifier target figures beyond the outcome of one named case study. ⁹Not publicly disclosed. Pages as read on 2026-09-23.
Risk Services	Not described in the reviewed sources.	USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. ¹⁰Company-reported. Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account.
How to Apply	Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form.	USI directs workers' compensation inquiries to pcinquiries@usi.com or a local USI office. ^9,^10,¹¹Company-reported. Contact instructions on the Property & Casualty, Private Equity and Healthcare pages.

Full Comparison

More Amelia Risk vs USI Insurance Services Comparisons

Other Workers’ Compensation Insurance Comparisons

Sources

Amelia Risk

Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
Workers Compensation. Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy? Accessed 2026-09-23.
Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23.

USI Insurance Services

The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as Workers' Compensation...; casualty analysts...claim advocates...risk control specialists... Accessed 2026-09-23.
Private Equity. USI Insurance Services; CASE STUDY: USI's Workers' Compensation Claim Analysis and Safety Improvements Save Manufacturer $1.2 Million. Accessed 2026-09-23.
Healthcare. USI Insurance Services; USI's Healthcare Practice offers specialty coverages...including...Workers' Compensation Insurance... Accessed 2026-09-23.

Workers’ Compensation Insurance Guide

Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.