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
Verified current official guidance centers on USLI’s small- to medium-sized business and individual specialty lines platform, with a specific official underwriting guide confirmed for the 1-4 Family Dwelling commercial property owners product. Preferred risks on the verified underwriting guide include 1-4 family rental dwellings owned by individuals or entities for investment purposes; annual leased locations; owner-occupied 2-4 family buildings with at least one tenant unit; new purchases; schedules up to 15 locations for package business and up to 100 locations for GL-only schedules; older structures; properties under renovation; risks with swimming pools; incidental boat docks/slips; and some corporate housing-type occupancies when the insured is an LLC or corporation. Product strengths published by USLI include GL limits to $1M/$2M, property values up to $3M in non-coastal zones and up to $1M in coastal zones excluding wind/hail, no GL deductible, property deductibles starting at $1,000, defense outside the limit, replacement cost for buildings up to 60 years old, equipment breakdown, loss of income/loss of rent, per-location aggregate option, and consideration for seasonal risks on a GL-only basis. Geographic note: the verified guide specifically distinguishes coastal vs. non-coastal valuation/coverage treatment, with coastal locations limited to $1M and wind/hail excluded. Home/individuals guidance on the official site confirms USLI writes rental dwelling, vacant dwelling, condo/co-op, liability, and personal umbrella products for individuals, but detailed personal-line eligibility or decline rules were not publicly verified from an open official underwriting guide during this refresh. For commercial umbrella, USLI publicly confirms excess/umbrella is part of its commercial offering, but no current open official appetite/underwriting guide with detailed class restrictions was verified in the public-facing pages reviewed. Submission/broker notes: USLI states it is focused on low-premium, low-hazard specialty business and small premium accounts; offers quote/bind/issue capability on selected products through broker/agent login; targets a 3-hour turnaround on submissions and binders; supports email/phone/web submissions; provides real-time web chat with underwriters and instant telephone quoting at 888-773-8754; and directs producers seeking appointments to wholesale or retail appointment applications on its support page. Public product pages route insureds/prospects to appointed agents rather than direct placement. No newer open official underwriting guide replacing the cited 11/23 commercial 1-4 dwellings guide was verified from the official pages reviewed.