USI Insurance Launched National Flex Property Facility
Commercial clients nationwide can now access up to $50 million in dedicated property insurance capacity.
Updated on Oct. 1, 2026 in Commercial
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USI Insurance Services has introduced the Flex Property Facility, a new program designed to provide commercial clients with specialized property insurance coverage. The solution is now available across all 50 U.S. states to address complex risk management needs.
Why it matters
This facility offers organizations increased flexibility in a challenging property insurance market by providing dedicated capacity for high-risk events. It aims to help businesses better manage the financial impact of natural disasters and other significant property exposures.
The program offers up to $50 million in dedicated property capacity per risk, accessible to commercial clients across all 50 states. This facility integrates with existing excess property solutions managed by Innovation Growth Partners Specialty.
The players
USI Insurance Services
A national insurance brokerage operating 200 offices and employing 10,500 professionals.
Innovation Growth Partners Specialty
A specialty insurance program manager overseeing $1.6 billion in premiums and 700 professionals across 18 states.
The details
The facility provides comprehensive coverage for specialized risks including earthquake, flood, terrorism, equipment breakdown, and named storms. By integrating this new program with USI's existing excess property solutions, the company enables streamlined access to A-rated capacity for complex commercial portfolios.
Timeline
USI launched the Flex Property Facility on October 1, 2026.
The Home Front
This facility reflects a broader trend of brokers launching specialized insurance programs to navigate tightening commercial property capacity. It provides a structured alternative to traditional market volatility for high-value commercial assets.
While this facility targets commercial risks, business owners should review their current property coverage limits and deductibles for catastrophic risks like flood and earthquake. Consult with your licensed insurance broker to determine if your commercial holdings require this new level of dedicated capacity.
The takeaway
Commercial property owners should prioritize evaluating whether their current policies sufficiently address climate-related risks like named storms and flooding. If you oversee commercial property, ensure your insurance portfolio is audited for gaps in specialized coverage capacity annually.
Further reading
For more on evolving business coverage trends, see the Commercial section.
Source note: This article includes information reported by The Manila times.
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