Covers income loss and extra expenses due to utility outages caused by damage to off-site service providers

Estimated loss refers to the potential financial impact due to interruption of essential services (such as electricity, gas, water, or communications) caused by damage to the supplier's property. We've based our estimate on the loss of income and additional expenses incurred during such interruptions.

Standard property insurance policies may not cover losses resulting from service interruptions caused by off-premises utility failures stemming from events like fires, lightning or wind damage. This means you might not be compensated for business income losses or extra expenses incurred due to outages beyond your control.

USI collaborates with carrier partners to include service interruption coverage in your property policy. This enhancement provides protection for income loss and extra expenses resulting from utility service disruptions due to covered perils, ensuring your business remains financially secure during outages.

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.