Covers income loss and expenses when access to your property is blocked due to damage nearby

Estimated loss refers to the potential financial impact when access to your property is prevented due to physical damage to adjacent premises or access points to your premises, impeding normal operations. We've based our estimate on the loss of income and additional expenses incurred during restricted access.

Standard property insurance policies may not provide coverage for losses incurred when your business cannot operate due to blocked access, such as in the case of flooding or nearby wildfires. This can result in uncovered income losses and expenses during such events.

USI works with carrier partners to include ingress/egress coverage in your property policy. This enhancement covers income loss and extra expenses when access to your property is impaired due to covered perils affecting nearby locations, ensuring your business remains protected.

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.