Standard market sublimits typically do not address the potential value or timing of newly acquired locations. The language often excludes key coverage items like business interruption, natural catastrophe losses, or certain types of property.

USI has negotiated coverage levels and notification timing to adequately address our clients’ acquisition values, natural catastrophe exposures, and administrative timing.

USI’s Manuscript Wording can increase sublimits to $5 million or more to address acquisition average value, include key coverage such as natural catastrophe perils, and increase notification timing to as many as 180 days.

Flood zones can change during the course of the policy year and can negatively impact the deductible applied and limit available for flood.

USI’s Manuscript Wording establishes policy-inception flood zones for each insured location. If the flood zones change during the policy year, coverage does not change.

Our wording adjustment eliminates coverage changes during the policy year that can result in uninsured/underinsured flood losses of $1 million or more.

Coverage for utility interruptions causing damage or loss of income at insured locations is not typically granted or provided at adequate levels in standard property policies. There are several restrictions/exclusions that apply, such as distance limitations, transmission and distribution line (T&D) exclusions, and exclusions for business income.

USI has the market leverage to negotiate coverage levels commensurate with our clients’ exposure and remove harmful exclusions that often go overlooked.

USI’s manuscript language can broaden coverage to include items like Business Interruption, T&D line coverage, and remove distance limitations, preventing uninsured or underinsured losses excess of $1 million.