Covers income loss when tenants are denied access to their space due to landlord restrictions after a covered peril

Estimated loss refers to the potential financial impact when tenants are prohibited from accessing their location due to the landlord prohibiting access to the building, leading to loss of income. We've based our estimate on the loss of income during such prohibitions.

Standard property insurance policies may not cover loss of income when you, as a tenant, cannot access the property due to reasons such as water damage, loss of power or a gas leak, where the landlord physically restricts access to the building. This can result in significant income losses during periods of prohibited access.

USI collaborates with carrier partners to include tenants prohibited access coverage in your policy. This enhancement provides protection for loss of income when you, as a tenant, are unable to access the property due to the landlord prohibiting access to the building.

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.