Expands coverage to include losses occurring outside the standard policy territory

Estimated loss refers to the potential financial impact of losses occurring outside the standard policy territory, which may not be covered under your existing policy. We've based our estimate on the costs of unprotected assets and operations in expanded locations.

Standard property insurance policies define a specific territory where coverage applies. Losses occurring outside this territory are typically not covered, leaving your assets and operations in other locations unprotected.

USI works with carrier partners to expand the policy territory in your property policy. This enhancement ensures that your assets and operations in additional locations are covered, providing comprehensive protection wherever you conduct business.

Typically, no. Because of USI's expertise in risk management and strong relationships with insurers, we're often able to provide you with highly tailored insurance solutions with increased coverage at no additional cost.

No. These recommendations are a preliminary hypothesis based on what we know about you.  Once we're your broker, USI will determine what data we need to perform a comprehensive analysis of your property coverage needs.

Every property is different, and the level of risk depends on factors such as operational hazards, natural catastrophe exposures, and physical protection in place. We analyze the specific risk factors of your property and recommend enhancements based on those findings. Rather than overselling, our goal is to offer coverage that matches your property’s unique exposures, preventing you from having to bear the financial burden of unexpected repairs.

The claims process with these enhancements is straightforward. These coverage enhancements ensure that more of your property is protected, reducing the chance of disputes over what is or isn’t covered. We streamline the process by clarifying coverage upfront and working closely with your carrier to minimize delays or complications in the event of a loss.