USI Insurance Services

What USI Insurance Services does

USI Insurance Services is a privately held insurance brokerage and consulting firm founded in 1994 and headquartered in Valhalla, New York. The company operates as one of the largest middle-market-focused insurance brokers in the United States, with approximately $3 billion in revenue, more than 10,500 professionals, and nearly 200 offices nationwide. It serves over 500,000 clients across property and casualty, employee benefits, personal risk, retirement consulting, and specialty insurance programs. USI is positioned among the top players in the Employee Benefits Consulting Service market alongside Aon, Mercer, and Gallagher. Its wholly owned subsidiaries include Emerson Rogers (the largest wholesale employee benefits General Agent in the nation, administering $9.5 billion in healthcare premium for over 100,000 employer groups through 10,000+ broker partners), IGP Specialty (30+ specialty programs), and USI Affinity (administrative solutions).

The company's core offering is the USI ONE platform, which integrates proprietary business analytics with a nationwide network of local and national technical experts in a team-based consultative model. Supporting technologies include the USI Omni Knowledge Engine (data-driven decision support drawing on 500,000+ client relationships), USI PATH (risk control platform recognized by AXCO as a leader in industry risk control), Ask V (next-generation vertical innovation platform launched in 2024), My Benefit Advisor (broker services platform), and MyBenefits2GO (mobile benefits administration app). USI also offers proprietary specialty programs such as USI CargoSafe, USI PrivaSafe, ThreatSafe, and the Builder's Risk Exclusive Program.

USI generates revenue primarily through commissions calculated as a percentage of premiums collected by insurers, supplemented by contingent compensation based on volume and profitability. It distributes through direct field sales across its nearly 200 US offices, wholesale distribution via Emerson Rogers, specialty program partnerships through IGP Specialty, and global execution via its Worldwide Broker Network membership. The firm has executed a sustained acquisition strategy across multiple decades and received a $1 billion investment from KKR in 2023 to support continued growth and technology investment, including the UTech initiative launched in 2026 for AI integration.

Name

USI Insurance Services

Legal name

USI Insurance Services LLC

Website

https://usi.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

USI Insurance Services is a privately held, middle-market-focused insurance brokerage and consulting firm with approximately $3 billion in revenue, 10,500+ professionals, and nearly 200 US offices serving over 500,000 clients across property and casualty, employee benefits, personal risk, retirement consulting, and specialty programs via its USI ONE proprietary platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Management Consulting

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Directors & Officers (D&O) Liability (FSAJADAF), Energy & Power Specialty (Onshore/Offshore) (FSAJAGAI)

Keywords

• Insurance brokerage services
• Commercial property casualty
• Employee benefits consulting
• Risk management advisory
• Specialty insurance programs

Headquarters

HQ city

Valhalla

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: USI serves as a licensed insurance producer earning commissions calculated as a percentage of premiums collected by insurers. The company also receives additional contingent compensation from insurers and intermediaries based on volume, profitability, and other factors related to insurance contracts placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

USI Insurance Services is a national insurance brokerage and consulting firm delivering diversified insurance and risk management services to middle market commercial clients, employers, and high net worth individuals. Core service lines include Property & Casualty brokerage, Employee Benefits consulting, Personal Risk Services, and Retirement Consulting, supported by proprietary analytics platforms (USI ONE, Omni Knowledge Engine, PATH) and specialty programs. The firm operates as a licensed insurance producer earning commissions on premiums placed with carriers, augmented by contingent compensation, consulting fees, and wholesale distribution through the Emerson Rogers subsidiary.

Product overview

USI Insurance Services operates as a national middle market insurance broker offering a platform-plus-proprietary-solutions architecture. The core offering centers on USI ONE, an integrated analytics and consulting platform that combines proprietary business analytics with a network of technical experts. Supporting this core are specialized sub-brands including Emerson Rogers (employee benefits wholesaler), IGP Specialty (specialty programs), and USI Affinity (administrative solutions). Key proprietary tools include the Omni Knowledge Engine for decision-making, PATH for risk control, My Benefit Advisor for broker services, and MyBenefits2GO mobile app. The company also offers sector-specific programs such as USI CargoSafe, USI PrivaSafe, ThreatSafe, and the Builder's Risk Exclusive Program. Property & Casualty, Employee Benefits, Personal Risk Services, Retirement Consulting, and specialty programs form the main service lines.

Differentiator

Problem solved

Functional benefit

Brands

• USI ONE: Proprietary approach to risk management integrating business analytics with a network of local and national technical experts in a team-based consultative planning process
• USI Omni Knowledge Engine
• USI PATH
• My Benefit Advisor
• USI Gives Back
• IGP Specialty

Products and services

• Property & Casualty Insurance Brokerage
• Employee Benefits Consulting
• Personal Risk Services
• Retirement Consulting
• USI ONE Advantage
• USI Omni Knowledge Engine
• USI PATH
• Ask V
• Emerson Rogers Employee Benefits Wholesale
• My Benefit Advisor
• Innovation Growth Partners Specialty (IGP Specialty)
• USI Affinity
• MyBenefits2GO
• USI CargoSafe
• USI PrivaSafe
• ThreatSafe
• USI Exclusive Program for Midsize Property Owners

Quantifiable outcome

• 18% reduction in total cost of risk and $10 million in additional coverage for a medical device company client
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• Emerson RogerscoreChannel Partner/ Reseller/ DistributorEmerson Rogers is USI's employee benefits wholesaler subsidiary, operating as the largest wholesale General Agent in the nation with over 750 employees managing $9.5 billion in healthcare premium for over 100,000 employer groups through more than 10,000 broker partners. The subsidiary provides My Benefit Advisor platform enabling independent brokers to deliver high-level service.
• Worldwide Broker Network (WBN)coreChannel Partner/ Reseller/ DistributorUSI is a member of the Worldwide Broker Network, the world's largest fully integrated network of independent Property and Casualty brokerage firms. WBN members in foreign domiciles help execute international insurance programs by placing local insurance and enacting country-specific service plans.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Arthur J. Gallagher & Co. Gallagher is one of the largest US insurance brokerage and risk management firms with a strong middle-market focus very similar to USI. It competes head-to-head for the same middle-market commercial accounts, employee benefits engagements, and specialty risk placements that anchor USI's book.
• Hub International: Hub International is a leading North American insurance brokerage owned by Hellman & Friedman, focused on middle-market commercial and personal lines. It is one of the closest direct competitors to USI in terms of geographic strategy, middle-market client mix, and acquisition-driven growth model.
• Risk Strategies Company: Risk Strategies is a national specialty insurance brokerage that has grown rapidly through acquisitions, focusing on middle-market commercial and professional lines. It overlaps with USI's IGP Specialty offerings and competes for specialty and middle-market clients nationally.
• Brown & Brown, Inc. Brown & Brown is a publicly traded insurance brokerage and risk management company with deep US geographic coverage and a middle-market focus comparable to USI. It competes in P&C, employee benefits, and specialty programs using a similar decentralized office and acquisition-driven model.
• Lockton Companies: Lockton is the world's largest privately held insurance brokerage, competing directly with USI in middle-market and large-account P&C, employee benefits, and specialty risk advisory. Like USI, Lockton emphasizes partnership-style client engagement and proprietary service models.
• Acrisure: Acrisure is a PE-backed insurance brokerage that has rapidly consolidated agencies across the US, similar in profile to USI's roll-up strategy under KKR. It competes for the same middle-market accounts and talent pool with significant acquisition momentum and AI-led productivity investments.

Broad incumbents

• Willis Towers Watson (WTW): WTW is a global advisory, brokerage, and solutions firm providing risk, benefits, and actuarial services to mid-market and enterprise clients. WTW competes directly with USI in P&C brokerage, employee benefits, and retirement consulting across multiple industry verticals.
• Marsh McLennan: Marsh McLennan is the world's largest insurance brokerage and risk advisory firm, offering P&C, employee benefits, and consulting services globally. It is USI's most significant global incumbent competitor, competing for the same middle-market and enterprise clients at materially larger scale.
• Aon: Aon is a global professional services firm offering risk, insurance brokerage, reinsurance, and human capital consulting. It is explicitly named alongside USI in the Employee Benefits Consulting market and competes for the same middle-market and large enterprise accounts with deeper international reach.

Regional players

• Marsh & McLennan Agency (MMA): MMA is Marsh McLennan's middle-market-focused US brokerage unit, offering P&C, employee benefits, and consulting to mid-sized organizations. It is a direct competitor to USI for middle-market accounts but does not have the same national middle-market-only brand focus as USI's headquarters franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/usiins
• LinkedInlinkedin.com/company/usi-insurance-services
• Facebookfacebook.com/usiins

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries5 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A9 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about USI Insurance Services