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
USLI’s current public positioning is as a specialty carrier for low-premium, low-hazard small to medium-sized businesses, with admitted and non-admitted capabilities in all 50 states and DC and a strong emphasis on fast turnaround, online quoting/binding, and access through appointed agents and the broker/agent portal. Public product pages confirm commercial property/property-owner offerings, commercial umbrella/excess availability, and individual/home-related liability products. For producer workflow, USLI states it strives for a 3-hour turnaround on submissions and binders, offers 24/7 online quoting, live underwriter chat, and telephone quoting; legacy application access has been retired in favor of the newer broker/agent portal including USLI-SNAP. For appointments, USLI invites wholesale and retail partners to apply via its support page and emphasizes small premium business focus. Verified public underwriting detail located for the commercial property/home-rental segment is the 1-4 Family Dwelling Product – Commercial Lines guide dated 7/24. Preferred business includes dwellings owned for rental investment, annual or seasonal leased locations (GL only for seasonal risks), owner-occupied buildings with at least one tenant unit, new purchases, schedules up to 15 locations with GL and property, older structures, properties under renovation, and certain risks with pools, docks, or slips. Key advantages include loss of income/loss of rent, equipment breakdown, replacement cost for buildings up to 60 years old, and property values up to $3M in non-coastal zones or $1M in coastal zones excluding wind/hail. Commercial umbrella is confirmed as an available commercial coverage line on USLI’s commercial product page, but no current official public umbrella appetite guide was clearly verified from an official public page during this refresh. For home/personal liability, USLI’s individual products page confirms personal umbrella and residence/rental-location liability offerings, and a current public personal umbrella guide dated 3/25 shows preferred characteristics such as favorable risks, operators age 23-74, and up to 25 one-to-four-family residential locations, with limits up to $2M when auto/watercraft liability is included and up to $5M when excluded; admitted/direct bill is available in most states and web quote/bind is supported. Verified ineligible or restricted characteristics from the public 1-4 family dwelling guide include risks in AK, LA, and WV; property coverage in AK, AL, HI, KY, LA, MS, TN, and WV; student housing; rooming/boarding houses; locations with wood stoves; mobile homes; property coverage for units rented less than six months; unfenced pools; and single-family dwellings over 6,000 sq. ft. Geographic notes therefore include broader all-states capability at the carrier level, but line-specific property restrictions in several states and coastal valuation/wind-hail limitations. Submission expectations and producer notes: business is routed through appointed agents, prospective insureds can request connection to an appointed agent, brokers should use the new portal rather than the retired legacy applications site, and wholesalers/retailers can pursue appointment through the support page. USLI also promotes policyholder value-add resources via its Business Resource Center, which may be relevant in producer discussions.