Covers outdoor features like landscaping, signage, and fencing that are typically excluded from standard property policies

Land improvements, such as landscaping, fencing, lighting, pavements, and signage, can represent significant investments. Our enhancement factors in the costs associated with restoring these improvements after a covered event, based on historical claims data.

Standard policies often provide little to no coverage for land improvements, typically only covering damage to structures and personal property. In the event of a covered loss, you may not be compensated for damages to landscaping or other enhancements to your land.

We work with carrier partners to provide expanded coverage for land improvements, ensuring that damages to landscaping, walkways, fences, signage, and other outdoor enhancements are included in your recovery, ensuring that your property’s outdoor functionality is restored after a loss.

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.