Covers potential claim denials due to non-compliance with safety system requirements like fire alarms or sprinklers

Estimated loss refers to the potential costs you could incur if a claim is denied due to non-compliance with protective safeguard requirements, such as maintaining operational fire alarms or sprinkler systems. We've based our estimate on the potential denial of claims and associated financial impact.

Standard property insurance policies may include protective safeguard endorsements that require certain safety systems to be maintained and operational. Failure to comply can result in claim denials, even for unrelated losses, leaving you responsible for the full cost of damages.

USI works with carrier partners to modify or remove restrictive protective safeguard endorsements from your property policy. This ensures that your coverage is not voided due to inadvertent non-compliance with safeguard requirements, providing you with greater claim certainty.

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.