Explore how VIU by HUB drives profitability, resilience and workforce vitality through embedded insurance partnerships.
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What to Expect in 2026
Personal insurance rate growth is slowing but not reversing. Premiums will keep rising modestly in 2026 as carriers work to match pricing with real-world risk.
Profitability
Vitality
Resiliency
Profitability
Profitability
This is the year to add insurance to your ecosystem.
The personal insurance market is expected to soften in 2026. More carriers are competing, but rates won’t necessarily fall. Pressures will remain uneven as homeowners in high-risk regions continue to face steep increases, while auto and specialty lines navigate tightening regulations and localized risk.
For businesses, these shifts present an opportunity. As insurance needs grow more complex, your clients and employees will look for guidance and value from the organizations they already trust. That’s where the brokerage model shines: By partnering with a digital broker, you can extend expert insurance support into your ecosystem, helping those you serve navigate a changing market while driving retention and new revenue potential.
Brokerage-as-a-service and partnership models to drive growth
By helping partners and customers navigate a wide range of options, VIU by HUB turns market shifts into advantage.
The brokerage-as-a-service partnership solution is redefining partner economics by offering a full stack of capabilities including digital quoting, licensed advisors, marketing and retention. This allows partners to capture new revenue without the capital and operational burden of building from scratch. This turnkey approach has attracted interest not only from digital platforms and benefits providers, but also from carriers themselves.
Expanding opportunity through strategic partnerships
Profitability in this environment comes from leveraging a diversity of options, not betting on a single carrier. VIU by HUB provides unmatched access to the market. Its network engages with a wide range of carriers — 70 in one recent month alone — so that as appetites shift, there is always someone ready to meet partner and customer needs.
From concept to execution — partnerships that deliver
The most effective partnerships create meaningful moments in the customer journey where insurance strengthens both the brand and the overall experience. Delivering this vision requires more than technology; it demands deep insurance expertise and partners who can recognize opportunities to add value and turn strategy into measurable results. VIU by HUB collaborates closely with its partners to co-create experiences that are customer-centric, brand-enhancing and growth-focused.
The strongest partnerships aren’t transactional; they’re transformative. They thrive when organizations commit to innovation, long-term thinking and shared progress.
More carriers are competing, but rates won’t necessarily fall.
Workplace vitality in 2026 goes beyond traditional wellness programs. It’s a holistic state where employees are engaged, secure and empowered — physically, mentally and financially — to perform at their best.
When employees feel confident in their financial security, they can bring more focus, energy and creativity to their work, which fuels engagement, productivity and innovation. By integrating VIU by HUB’s personalized insurance solutions into benefits packages, organizations can strengthen employee wellbeing while also advancing business performance.
VIU by HUB complements partners’ existing benefits by delivering cost‑neutral options that fit seamlessly into total rewards packages. This positions employers not only as providers of essential protection but as organizations that truly understand and care about their people.
The impact on people and organizations is clear. Offering personal insurance through benefits can improve retention and make employers more competitive in attracting talent.
And for partners who already look to VIU by HUB for customer solutions, there’s an added advantage: The same expertise and infrastructure they trust for their customers can serve their own employees.
By supporting both partners' customers and employees, VIU by HUB helps organizations deliver benefits that evolve with
workforce expectations, ease stress that can undercut productivity and strengthen the trusted relationships that define every partnership.
Half of all employees surveyed across all age groups cited “financial concerns” as the No. 1 stressor impacting their productivity at work.1
Only 14% of surveyed employers offer personal insurance as part of their benefits package, while 34% of employees say they would use this benefit if offered, demonstrating a clear opportunity to address unmet needs.1
Keeping partnerships fresh, relevant and in step with insurance buyers
Vitality
Download our Personal Insurance Marketplace Outlook and Rate Report to see what to expect in the coming year.
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The insurance market can shift quickly. Climate risk, economic uncertainty, inflation, geopolitical pressures and regulatory change all influence availability and premium costs. In 2026, resiliency will depend on anticipating these pressures and adapting with speed.
Carrier pricing and appetite are influenced not only by claims performance but also by broader financial market conditions, which can change unexpectedly. The brokerage model provides a buffer against this volatility, maintaining access to a wide range of carriers and offering insights informed by both national trends and state-level nuances. This flexibility proved essential during the recent hard market and will remain a key advantage as conditions fluctuate.
Looking ahead, partners will need more than access; they will need expertise. Backed by HUB International, VIU by HUB combines deep industry knowledge, trusted carrier relationships and forward-looking guidance to help partners anticipate regulatory shifts, coverage changes and evolving market conditions. This combination of expertise and connectivity positions partners to adapt quickly, stay compliant and build lasting resiliency.
The power of networks
In 2026, resiliency will be defined by connection — between people, technology and industries. VIU by HUB is cultivating a partner ecosystem that grows wider each year, often bridging sectors that historically operate apart. Carriers are teaming up with non-insurance platforms, and service providers are embedding insurance alongside complementary offerings. These collaborations spark innovation, opening opportunities that wouldn’t exist otherwise — from joint marketing initiatives
to bundled solutions — giving every partner more ways to deliver meaningful value.
From a technology standpoint, resiliency means preparing for multiple adoption paths rather than relying on a single trend. Digital engagement will continue to expand, but true success lies in offering consumers a choice of channels — meeting them where they are, on their terms.
Data is another pillar of resilience. The key is to use insights in ways that create value without compromising the privacy customers expect and deserve. VIU by HUB leverages behavioral data to deliver timely, relevant experiences, such as outreach at renewal or when a new vehicle is added to a household. This approach enables partners to benefit from personalization without needing to collect or manage sensitive information themselves.
Looking ahead, advanced analytics and artificial intelligence (AI) will take personalization even further by creating experiences that are more connected, anticipatory and relevant across both insurance and adjacent industries. Data-driven personalization will strengthen partnerships, deepen customer trust and make every interaction more meaningful for both customers and employees.
Building for long-term stability
Resiliency
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Profitability
In a rapidly shifting insurance marketplace, the right partner makes all the difference. As you evaluate options in 2026, here are five considerations to keep in mind:
Moving Your Organization Forward
Seek insurance partners with strong, established relationships across a wide range of carriers — both nationally and locally. This ensures access to diverse coverage options, the flexibility to adapt to market shifts and guidance informed by real-time industry trends and regulatory developments.
Prioritize partners with deep expertise and carrier networks
Effective partners pinpoint where and how insurance adds value within the experience — aligning coverage offerings with your broader strategic goals, strengthening trust, and increasing engagement at key moments.
Assess how embedded insurance enhances the customer journey
Scale revenue and enhance service offerings with our end-to-end solution that integrates directly into your existing system. Your business can offer personal insurance without additional operational overhead so your team can focus on innovation and core business growth.
Look for seamless brand integration
Partners should anticipate shifts in regulation, climate risk, economic conditions and carrier pricing trends. Those with advanced expertise in data, analytics and technology can deliver personalized, adaptable solutions that build long-term resilience.
Focus on foresight and resiliency
Download our 2026 Personal Insurance Marketplace Outlook and Insurance Market Rate Report to see what to expect in the coming year.
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Meet the Experts
About Us
HUB Personal Insurance Marketplace
Partnering with VIU by HUB unlocks new revenue opportunities, enhances engagement, and delivers added value to insurance shoppers through customizable solutions. To learn more about embedding personal lines insurance into your business, connect with our Strategic Partnerships team or visit viubyhub.com/partnerships.
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Expanding opportunity through strategic partnerships
Keeping partnerships fresh, relevant and in step with insurance buyers
Building for long-term stability
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HUB’s 2025 U.S. Workforce Vitality Gap Index polled 150 decision-makers and 1,500 U.S.-based employees at companies with more than 250 employees.
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Only 14% of surveyed employers offer personal insurance as part of their benefits package, while 34% of employees say they would use this benefit if offered, demonstrating a clear opportunity to address unmet needs.*
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Looking ahead, advanced analytics and artificial intelligence (AI) will take personalization even further
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VIU by HUB continues to expand its capabilities to help partners deepen engagement, accelerate growth and unlock new opportunities. Recent innovations include private-label web experiences, which extend brand presence and integrate directly into customer journeys while aligning with long-term strategies. These advancements underscore how VIU by HUB delivers scalable, partner-focused solutions that create measurable value across the ecosystem — a true win-win-win for customers, partners and the industry.
Case Study
In 2025, a leading employee discount platform — serving more than 1,500 businesses and a network of 9 million employees — partnered with VIU by HUB to enhance its commitment to financial wellness. By integrating VIU by HUB’s trusted insurance solutions, the platform strengthened its brand promise, delivered greater peace of mind to customers and provided employees with convenient access to reliable coverage and expert guidance. It’s a win-win-win: Employees gain confidence in their benefits; the platform deepens loyalty across its network and VIU by HUB empowers people to safeguard what matters most.
Case Study
Embedded insurance isn’t just for customers; it can also enhance employee wellbeing. Strategic partners can integrate personal insurance into benefits packages to support financial wellness, strengthen retention and boost productivity.
Don’t overlook workforce vitality
A recent partnership with a national mortgage lender illustrates this ecosystem approach in action. Together, VIU by HUB extended value to homebuyers well beyond closing by embedding seamless access to personal insurance within the lending process. The collaboration connected the lender, carriers and customers in a unified experience: Homebuyers gained trusted protection, the lender unlocked new revenue streams and HUB International expanded its relationship by addressing the lender’s broader business insurance needs. It’s another true win‑win‑win for the lender, carriers and homebuyers alike.
Case Study
