US Investment Corporation (USLI)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational summary for USLI (United States Liability Insurance Company) based on current appetite material for small to mid-sized risks. PREFERRED / TARGET BUSINESS - Commercial Property & GL: Small to medium accounts within defined TIV and limit thresholds. General liability commonly up to $1M / $2M and property limits typically up to about $3M total insured value, with some capacity up to $5M for vacant property depending on territory and product. Target classes include 1–4 family dwellings rented to others (annual or seasonal), apartments (generally 5–100 units per building and up to ~500 units per policy), condos and community associations, main street mercantile/retail, professional and medical office, small restaurants, concessionaires and vendors, beauty/barber/nail salons, fitness centers, schools/learning centers, and similar light-habitational and light-commercial occupancies.([decotis.com](https://decotis.com/wp-content/uploads/2024/02/USLI-Commercial-Property-Liability-Appetite-Guide.pdf?utm_source=openai)) - Commercial Excess/Umbrella: Designed to sit over USLI primary or other acceptable primary carriers for small and mid-sized commercial risks. Top underlying classes specifically called out include artisan/trade contractors, habitational exposures (apartments, condos, HOAs, lessor’s risk), office buildings, main street mercantile, restaurants, child care, social services/nonprofit, vacant buildings, and vacant land. Limits are generally available from $1M to $5M excess.([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) - Carrier Strength: Excess/umbrella can sit over any primary carrier rated B++ or better by A.M. Best, and can be written over multiple underlying policies (GL, auto liability, employers’ liability, and in many cases professional liability), with follow-form coverage and no self-insured retention on the umbrella form described.([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) - Home-related / Personal Umbrella: USLI offers personal and excess personal umbrella products that commonly support individuals with multiple homes, rental units, and other personal exposures; these are often accessed through appointed wholesalers or portal partners. Intended for clients needing higher limits over underlying homeowners, personal auto, and certain incidental rental or small landlord exposures.([services.usli.com](https://services.usli.com/Retail/home/index/1317508C-7338-4096-87EC-9F5D848702A9?utm_source=openai)) GEOGRAPHIC & LIMIT NOTES - National Footprint: Appetite documents indicate availability in all 50 states but subject to line-of-business and class-specific eligibility and coastal/brush restrictions for property TIV. Appetite references typical TIV up to $3M per location (lower in certain coastal CAT-exposed areas, sometimes capped around $500k per location for coastal property) and larger capacity for vacant property when otherwise acceptable.([londonuw.com](https://www.londonuw.com/_files/ugd/b53c97_86ce8115df46462e84b89bd37a3e224d.pdf?utm_source=openai)) - Excess/Umbrella Limits: Standard available limits from $1M to $5M. For risks located in Alabama or Mississippi, the current guide caps the available commercial excess/umbrella limit at $1M. Attachment points can start as low as $500,000 depending on the risk and primary limits structure.([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) RESTRICTED / DECLINED OR INELIGIBLE CHARACTERISTICS - Underlying Carrier Quality: Commercial excess/umbrella is generally ineligible if any primary underlying carrier is rated below B++ by A.M. Best or is a foreign-domiciled insurer other than Lloyd’s of London.([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) - Certain Contractor Geographies: Artisan/trade contractors located in Alaska, Colorado, Louisiana, or West Virginia are specifically flagged as ineligible for the referenced excess/umbrella product, even if otherwise within class appetite.([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) - Property Constraints (Inferred from appetite guides and typical USLI practice): CAT-exposed coastal properties may be restricted by lower maximum TIV thresholds and tighter construction and protection requirements; high-hazard manufacturing, heavy industrial, high-hazard habitational (e.g., poor maintenance, knob-and-tube wiring, inadequate life safety), and unprotected frame in severe CAT zones are often either surcharged or declined. Appetite guides emphasize standard/light to moderate hazard mercantile, office, and habitational risks rather than heavy industrial or high-hazard special risks.([decotis.com](https://decotis.com/wp-content/uploads/2024/02/USLI-Commercial-Property-Liability-Appetite-Guide.pdf?utm_source=openai)) SUBMISSION & UNDERWRITING EXPECTATIONS - Basic Submission Package (commercial umbrella/excess): Expect to provide a fully completed ACORD plus any USLI supplemental(s), schedule of underlying policies including carriers and limits (GL, auto, employers’ liability, professional where applicable), detailed description of operations, and currently valued loss runs (typically 3–5 years). The umbrella appetite piece emphasizes that risks already eligible for USLI primary as well as somewhat larger risks that exceed primary appetite can be considered for excess/umbrella, as long as underlying carrier and class criteria are met. Many wholesalers using this product also require loss runs and completed supplements with initial submissions.([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) - Property & GL Online Rater: Appetite sheets and the USLI quoting page promote online or phone quoting ("Quote online or call 888-875-5218"), indicating a preference for submissions that can be rated through their small-business platform. Retail agents may be directed to appointed wholesalers or to USLI’s online portal; producers should confirm access routes with their wholesaler or the USLI marketing rep.([decotis.com](https://decotis.com/wp-content/uploads/2024/02/USLI-Commercial-Property-Liability-Appetite-Guide.pdf)) - Underlying Requirements (Umbrella/Excess): Typical minimum underlying limits include at least $500k–$1M per occurrence GL, standard auto liability (commonly $1M CSL), and standard employers’ liability limits. Policies are expected to provide defense outside limits or broad duty-to-defend wording, and premises/operations hazards should be well controlled (no expected frequency or severity red flags).([decotis.com](https://decotis.com/wp-content/uploads/2026/01/USLI-Commercial-Excess-Umbrella-Appetite-Guide.pdf)) BROKER / PRODUCER NOTES - Distribution: USLI is primarily accessible through appointed wholesalers, program managers, and certain retail agents with direct appointments. Appetite and submission guidance available publicly is often hosted by wholesalers (e.g., Decotis) who use the USLI rating portal; producer instructions often direct agents to quote online 24/7 via the portal or to call the small-business underwriting team for assistance with borderline risks.([services.usli.com](https://services.usli.com/Retail/home/index/1317508C-7338-4096-87EC-9F5D848702A9?utm_source=openai)) - Positioning: The carrier positions itself as a small-business and specialty lines market with broad class availability and quick-quote capabilities. Producers are encouraged to aggregate schedules (e.g., multiple small rental dwellings or small commercial locations) on one policy where possible and to submit clean, complete applications to leverage quick turnaround and preferred pricing.([usli.com](https://www.usli.com/products/commercial/?utm_source=openai)) PRACTICAL PLACEMENT NOTES FOR REQUESTED LINES - Commercial Property: Strong fit for small habitational and main street schedules where TIV per location is within the $3M guide (lower in coastal zones) and construction/protection are standard. Avoid high-hazard manufacturing, severely distressed properties, or large frame structures in catastrophe-prone territories without strong mitigation. - Commercial Umbrella: Use primarily for small to mid-size artisan contractors (outside AK/CO/LA/WV), habitational, lessor’s risk, offices, retail/mercantile, restaurants, child care, social services, and other standard classes with acceptable loss history and B++ or better underlying carriers. Confirm the 1M limit cap for AL/MS before structuring towers. - Home/Personal-Related: Consider USLI personal umbrella when insureds have multiple dwellings and higher personal net worth but don’t meet standard market guidelines; ensure underlying home and auto limits meet USLI’s minimums and clarify how they treat rental and small landlord exposures under the personal umbrella versus commercial placement.