Limits deductible costs by applying a single or aggregate deductible for multi-building loss events

Estimated loss refers to the potential financial impact of paying multiple deductibles when multiple buildings are affected by a single loss event. We've based our estimate on the cumulative deductible expenses across your properties.

Standard property insurance policies may apply deductibles on a per-building basis. In the event of a loss affecting multiple buildings, you may be responsible for multiple deductibles, increasing your out-of-pocket costs significantly.

USI collaborates with carrier partners to modify the deductible structure in your property policy. We work to apply a single occurrence deductible or aggregate deductibles, reducing your financial burden when multiple buildings are involved in a single loss event.

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.