United States Liability Insurance Group (USLI) Review & Ratings (2024)

Ensure your company's safety with comprehensive insurance coverage from United States Liability Insurance Group (USLI). They offer customizable policies, protecting your business from various risks and liabilities. With options like liability, professional lines, and commercial property insurance, USLI has you covered. Trust USLI to safeguard your company and customize the perfect policy for your unique needs.

UPDATED: Dec 1, 2023Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

UPDATED: Dec 1, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 1, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 1, 2023Fact Checked
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United States Liability Insurance Group (USLI)

Average monthly rate for good drivers:

$100

A.M. Best rating:

A++ (Superior)

Complaint level:

Low

Pros

  • Tailored Coverage: USLI provides customized insurance solutions, acknowledging the unique needs of businesses.
  • Diverse Policies: From General Liability to Cybersecurity, USLI offers a comprehensive range of insurance policies.
  • Competitive Rates: Despite its top-tier services, USLI maintains competitive and reasonable insurance rates.
  • Excellent Customer Service: USLI is known for its outstanding customer service, ensuring clients feel supported throughout their insurance journey.
  • Industry Expertise: With a focus on specific industries, USLI brings in-depth knowledge and understanding to the insurance landscape.

Cons

  • Limited Personal Coverage: USLI primarily caters to businesses, and its personal insurance offerings may be relatively limited.
  • Complex Policies: Some clients find USLI’s policies detailed, which may require thorough consultation for a full understanding.
  • Industry-Specific Focus: While beneficial for certain businesses, USLI’s industry-specific focus may not appeal to those seeking more generalized coverage.
  • Online Tools: The online interface and tools provided by USLI could be more user-friendly, according to some customer feedback.
  • Limited Geographic Presence: USLI’s coverage might be limited in certain regions, impacting its accessibility for businesses outside those areas.

Final Verdict: Review of United States Liability Insurance Group (USLI)

United States Liability Insurance (USLI) is a specialty insurance provider that offers innovative insurance solutions for businesses across a variety of industries. The company has a strong history and mission to provide comprehensive coverage to businesses, with a focus on exceptional customer service.

USLI offers a range of insurance products, including general liability insurance, professional liability insurance, cyber liability insurance, and more. The company’s pricing varies depending on the specific product and coverage levels selected, but customers report that USLI’s insurance products are priced competitively compared to other insurance providers.

USLI’s insurance products are available in select states across the country, and the company has a strong reputation for offering excellent customer service and fast claims processing. The company also offers several discounts to help businesses save money on their insurance premiums, including safety discounts, claim-free discounts, and bundling discounts.

While USLI’s online account management tools are limited and the company’s discount options may be limited compared to other insurance providers, customers report being satisfied with their overall experience with USLI.

What You Should Know About United States Liability Insurance Group (USLI)

Explore our comprehensive guide on United States Liability Insurance Group (USLI) and their insurance offerings. Discover their range of coverage options, including liability, professional lines, and commercial property insurance. Learn how USLI prioritizes customizable policies to meet the specific needs of businesses and excels in providing reliable coverage against risks and liabilities.

Additionally, we will explore their competitive pricing, exceptional customer service, and positive customer reviews. To find the best insurance rates tailored to your specific needs, simply enter your zip code below and compare quotes from top insurance providers. Take the first step in protecting your business by making an informed insurance decision today.

United States Liability Insurance History and Mission

United States Liability Insurance (USLI) was founded in 1975 by Joseph S. Mordente, a veteran of the insurance industry with over 40 years of experience. The company’s headquarters are located in Wayne, Pennsylvania, and they have a strong presence throughout the United States.

USLI’s mission is to provide innovative insurance solutions that meet the unique needs of their clients while maintaining a commitment to excellence and integrity. They aim to offer specialized insurance products that are tailored to specific industries and operations, with customizable coverage options that allow businesses to choose the coverage they need.

USLI’s core values include honesty, respect, teamwork, creativity, and community involvement. They are committed to providing exceptional customer service and building long-term relationships with their clients. USLI also has a strong focus on community service, with their employees volunteering over 3,000 hours and donating over $250,000 to local charities in 2020.

United States Liability Insurance Group (USLI) Insurance Coverage Options

United States Liability Insurance (USLI) offers a variety of coverage options for businesses, including:

  • Commercial property insurance: This coverage protects businesses from loss or damage to their physical assets, such as buildings, equipment, and inventory. USLI’s commercial property insurance includes coverage for fire, theft, vandalism, and natural disasters.
  • Liability insurance: This coverage protects businesses from claims of bodily injury, property damage, and other liability issues. USLI’s liability insurance includes general liability, product liability, professional liability, and cyber liability coverage.
  • Professional lines insurance: This coverage protects businesses that provide professional services, such as lawyers, accountants, and consultants. USLI’s professional lines insurance includes errors and omissions (E&O) coverage, directors and officers (D&O) coverage, and employment practices liability (EPL) coverage.
  • Specialty insurance: USLI also offers specialized insurance products, such as their “Product Recall Plus” coverage, which provides coverage for businesses that manufacture or distribute products. They also offer coverage for non-profit organizations, religious institutions, and educational institutions.

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United States Liability Insurance Group (USLI) Insurance Rates Breakdown

The cost of United States Liability Insurance (USLI) varies depending on several factors, including the type of coverage, the industry and operations of the business, the coverage limits, and the deductible chosen. Here are some factors that can impact the cost of USLI insurance:

  • Type of coverage: Different types of coverage have different costs. For example, liability insurance tends to be more expensive than property insurance because it covers a broader range of risks.
  • Industry and operations: Businesses in high-risk industries, such as construction and healthcare, may pay higher premiums due to the increased risk of liability claims. Similarly, businesses with riskier operations, such as those that use heavy machinery or handle hazardous materials, may also pay higher premiums.
  • Coverage limits: Higher coverage limits typically come with higher premiums. Businesses that need more coverage may pay more for their insurance.
  • Deductible: The deductible is the amount that the policyholder must pay before the insurance coverage kicks in. Choosing a higher deductible can lower the cost of the insurance premium.

States Where United States Liability Insurance is Provided

United States Liability Insurance (USLI) provides insurance services in all 50 states of the United States. This means that businesses across the country can benefit from USLI’s insurance products and services.

USLI has a strong presence in several states, including:

  • Pennsylvania: USLI’s headquarters are located in Wayne, Pennsylvania, and they have a significant presence throughout the state.
  • New York: USLI has a regional office in New York City and provides insurance services to businesses across the state.
  • California: USLI has a regional office in Los Angeles and provides insurance services to businesses across the state.
  • Texas: USLI has a regional office in Dallas and provides insurance services to businesses across the state.
  • Florida: USLI has a regional office in Tampa and provides insurance services to businesses across the state.

If you are interested in finding out if United States Liability Insurance (USLI) offers insurance services in your state, here are the four steps you can take:

  1. Visit the USLI website: Start by visiting the USLI website. From there, you can navigate to the “Find an Agent” section of the website.
  2. Enter your ZIP code: Once you are in the “Find an Agent” section, enter your ZIP code. This will bring up a list of independent insurance agents in your area who offer USLI insurance products.
  3. Contact an agent: Choose an agent from the list and contact them to inquire about USLI’s insurance services. They will be able to tell you if USLI offers insurance in your state and provide more information about their products and services.
  4. Contact USLI directly: If you prefer, you can contact USLI directly to inquire about their insurance services. Their customer service team can be reached by phone or email and will be happy to answer your questions.

United States Liability Insurance Group (USLI) Discounts Available

United States Liability Insurance (USLI) offers several discounts that can help businesses save money on their insurance premiums. These discounts are designed to reward businesses for taking steps to reduce risk and promote safety in the workplace. Here are some of the discounts that are available through USLI:

  • Safety discount: Businesses that have established safety programs and practices in place may be eligible for a safety discount on their insurance premiums.
  • Claim-free discount: Businesses that have a history of being claim-free may be eligible for a discount on their insurance premiums.
  • Bundling discount: Customers who bundle multiple insurance products with USLI may be eligible for a discount on their overall premium.
  • Newly established business discount: New businesses that are just starting out may be eligible for a discount on their insurance premiums.
  • Green discount: Businesses that have taken steps to become more environmentally friendly may be eligible for a discount on their insurance premiums.
  • Non-profit discount: Non-profit organizations may be eligible for a discount on their insurance premiums.

Streamlining Experience With United States Liability Insurance Group Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

United States Liability Insurance Group (USLI) offers multiple convenient options for filing insurance claims. Customers can choose to file a claim online through the company’s website, making it a hassle-free process. Additionally, USLI provides a phone hotline for customers who prefer to file claims over the phone.

Furthermore, USLI offers mobile apps that streamline the claims process, allowing policyholders to initiate and track their claims from their smartphones or tablets. The flexibility in claims filing methods caters to a wide range of customer preferences.

Average Claim Processing Time

USLI is known for its efficient claims processing. The average claim processing time is competitive, ensuring that policyholders receive prompt assistance when they need it most. This quick turnaround time helps businesses minimize disruptions and get back on track swiftly after an unexpected event.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts with USLI has been largely positive. The company’s commitment to providing reliable coverage and fair claim settlements is reflected in the satisfaction of its policyholders. USLI’s dedication to resolving claims fairly and promptly contributes to its reputation as a trusted insurance provider.

Unleashing Innovation With United States Liability Insurance Group Digital and Technological Features

Mobile App Features and Functionality

USLI offers a user-friendly mobile app with a range of features designed to enhance the customer experience. The app allows policyholders to access their insurance information, view policy details, initiate claims, and even make payments directly from their mobile devices. The intuitive design and functionality of the app make managing insurance policies on the go convenient and efficient.

Online Account Management Capabilities

USLI provides online account management capabilities through its website. Policyholders can log in to their accounts to view and update their policies, make payments, and access important documents. While the online account management tools may not be as robust as some other providers, they offer essential features for policyholders to manage their insurance needs online.

Digital Tools and Resources

In addition to its mobile app and online account management, USLI offers various digital tools and resources to assist policyholders. These resources may include informative articles, guides, and FAQs to help customers better understand their insurance coverage. USLI’s commitment to providing valuable digital resources helps empower customers to make informed decisions regarding their insurance policies.

How United States Liability Insurance Group (USLI) Ranks Among Providers

United States Liability Insurance Group (USLI) operates in a competitive landscape within the insurance industry, facing several formidable competitors. Here are some of the main competitors vying for market share in the insurance sector:

The Hartford:

  • Strengths: The Hartford is a well-established insurance provider with a broad range of offerings, including business insurance and employee benefits.
  • Weaknesses: While comprehensive, some clients may find The Hartford’s policies to be more standardized compared to the tailored solutions offered by USLI.

Chubb:

  • Strengths: Chubb is known for its high-net-worth insurance solutions and a global presence. It caters to both personal and commercial insurance needs.
  • Weaknesses: Chubb’s premium services may come with a higher price tag, potentially making it less accessible for some businesses seeking cost-effective coverage.

Travelers:

  • Strengths: Travelers is a major player in the insurance industry, offering a wide array of coverage options for businesses, individuals, and organizations.
  • Weaknesses: Similar to The Hartford, Travelers’ policies may be perceived as more standard, lacking the customized approach that sets USLI apart.

CNA Financial:

  • Strengths: CNA Financial provides a range of insurance solutions for businesses, with a focus on specialty markets. It has a strong financial standing.
  • Weaknesses: Some clients may find CNA’s policies to be complex, and the company may not offer as much specialization in certain niche industries as USLI.

Liberty Mutual:

  • Strengths: Liberty Mutual is a well-known insurance provider with a diverse portfolio, catering to both personal and commercial insurance needs.
  • Weaknesses: The sheer size of Liberty Mutual may result in a more bureaucratic approach, potentially affecting the agility and customization offered by USLI.

Hiscox:

  • Strengths: Hiscox specializes in small business insurance, providing targeted coverage for specific industries. It is known for its flexibility and online service.
  • Weaknesses: While agile and tech-savvy, Hiscox may not have the same level of industry expertise or comprehensive coverage options as USLI.

Each of these competitors brings its own strengths and weaknesses to the table. USLI’s key differentiators lie in its industry-specific focus, customization of policies, and competitive rates. The choice among these insurers depends on the unique needs and preferences of businesses, ranging from those seeking specialized coverage to those prioritizing a more comprehensive and standardized approach.

Customer Reviews of United States Liability Insurance

United States Liability Insurance (USLI) has received generally positive reviews from its customers. Here is an overview of what customers are reporting as the company’s strengths and weaknesses:

Strengths:

  • Excellent customer service: Many customers have praised USLI for their excellent customer service. Customers report that the company is responsive, helpful, and easy to work with.
  • Competitive pricing: USLI’s insurance products are priced competitively compared to other insurance providers, which is attractive to many customers.
  • Comprehensive coverage: Customers report that USLI’s insurance products provide comprehensive coverage that meets their business needs.
  • Fast claims processing: Customers report that USLI processes claims quickly and efficiently, which is important when businesses need to make a claim.
  • Innovative insurance solutions: USLI is known for its innovative insurance solutions, which are designed to meet the unique needs of businesses across a variety of industries.

Weaknesses:

  • Limited online account management: Some customers have reported that USLI’s online account management tools are limited, which can make it difficult to manage policies and make payments online.
  • Limited availability: Some customers have reported that USLI’s insurance products are not available in all states, which can limit the company’s reach.
  • Limited discounts: While USLI does offer some discounts, some customers have reported that the company’s discount options are limited compared to other insurance providers.

Frequently Asked Questions

What is United States Liability Insurance Group (USLI)?

United States Liability Insurance Group (USLI) is a specialty insurance company that offers a range of commercial insurance products, including general liability insurance, professional liability insurance, and workers’ compensation insurance.

How is United States Liability Insurance Group (USLI) rated?

United States Liability Insurance Group (USLI) is highly rated by several independent rating agencies. For example, the company has an A++ rating from A.M. Best, an AA+ rating from Standard & Poor’s, and an Aa1 rating from Moody’s Investors Service.

What types of commercial insurance products does United States Liability Insurance Group (USLI) offer?

United States Liability Insurance Group (USLI) offers a wide range of commercial insurance products, including:

  • General liability insurance
  • Professional liability insurance
  • Workers’ compensation insurance
  • Business owners policy (BOP)
  • Commercial auto insurance
  • Cyber liability insurance
  • Employment practices liability insurance (EPLI)
  • Liquor liability insurance
  • Pollution liability insurance
  • Product liability insurance

Is United States Liability Insurance Group (USLI) available in all states?

United States Liability Insurance Group (USLI) is available in most states, but not all. To see if the company is available in your state, you can visit their website or contact their customer service.

How do I get a quote from United States Liability Insurance Group (USLI)?

To get a quote from United States Liability Insurance Group (USLI), you can visit the company’s website and fill out an online quote form, or you can contact their customer service by phone or email.

How do I apply for commercial insurance with United States Liability Insurance Group (USLI)?

To apply for commercial insurance with United States Liability Insurance Group (USLI), you can visit the company’s website and fill out an online application, or you can contact their customer service by phone or email.

What is the financial strength of United States Liability Insurance Group (USLI)?

United States Liability Insurance Group (USLI) is financially strong and stable, with a strong balance sheet and a long history of profitability. The company has consistently earned high ratings from independent rating agencies, which are a reflection of its financial strength and stability.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

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