Risklytics vs USI Insurance Services Workers’ Compensation Insurance

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. ¹Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

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.

Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^4,1Company-reported. Lines page and about page; no specific insurer is published for this line.

None of the reviewed pages names the insurer USI uses for workers' compensation placements. ⁹Not publicly disclosed. Pages as read on 2026-09-23.

Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. ⁴Company-reported. Lines page.

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.

Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.

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.

Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. ⁴Company-reported. Lines page.

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.

Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. ⁴Company-reported. Lines page.

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.

You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^5,1Company-reported. Pricing page describes the general application and fee process, not a line-specific 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.