Provides longer business interruption coverage to support full operational recovery after a loss

Estimated loss refers to the potential financial impact of business interruption beyond the standard indemnity period, which may not be covered under a typical policy. We've based our estimate on the potential loss of income during the extended period required to fully restore operations.

Standard business interruption coverage typically provides a limited extended indemnity period, often 30 to 90 days, which may not be sufficient for businesses to fully recover after a significant loss. This can result in uncovered financial losses due to prolonged interruption or revenue levels taking longer to reach pre-loss levels.

USI works with carrier partners to extend the period of indemnity in your business interruption coverage. This ensures that your business is protected for a longer duration, providing financial support until operations are fully restored, minimizing the impact on your income.

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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.