Comprehensive Personal Liability Product Targeting applicants needing stand alone, first dollar Personal Liability.

Product Features:

Stand alone liability for 1-4 Family dwellings, condo units,

mobile homes, tenants and vacant land

Limits up to $ 1,000,000

Personal liability for course-of-construction (contractor

excluded)

For individuals, trusts, estates, LLC’s, limited partnerships

and corporations

Full dog liability included for most breeds

Personal Injury included up to policy limits

Short term rentals

Host liquor liability included

Up to 15 locations

Why choose to be insured with USLI?

Now Admitted in California, North Carolina and South

Carolina! Direct Bill available in these states.

A++ rated insured groups by A.M. Best!

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

CPL-NR 9/14

The Business Resource Center is available to all insured’s with discounts on background check services, tenant screenings, motor vehicle records, and other great services!

PHONE QUOTE 844.502.8925

Why Coverage is Important:

Ability to write in the name of an individual, corporation, LLC or partnership

Coverage can be extended for up to three employees in addition to the owner

Optional additional insured coverage can be included for venues (hotels, craft fairs, etc.), your customer and most clients requiring proof of liability coverage

Professional errors and omissions for most classes is included in the basic premium

Off-premises liability and business personal property coverage, loss of business income and equipment breakdown coverage included

Every 11 seconds, a new home-based business is started. There are currently over 20 million households that have a home-based business exposure, and more than half of them are not properly insured. Most business owners believe that coverage is available through their homeowners policy; however, the business endorsements do not provide adequate coverage since there is generally no off-premises liability protection or loss of income coverage. Our policy is designed to cover the unique exposures of your business at a fraction of the cost of a commercial business owners policy.

Filling the gap left by many homeowners policies for businesses operating out of the home

Additional Advantages:

A Berkshire Hathaway Co.Fast serviceA++ rating by A.M. BestAccess to free and discounted solutions to

help you run your business

HOME BUSINESS INSURANCE

Every Business Deserves the Right Coverage, Even At Home: Home Based Business Product

Why Coverage is Necessary:

Coverage for

Businesses Operating Out of the Home

Most Common Ineligible Risk Characteristics:Applicants involved in any manufacture, installation or repairEvent planner Computer consultantInternet service providerLandscaper and plant servicePersonal shopper and errand serviceFine jewelry sales and repairMassage therapistContractor

FS-Personal-HBB-2-15

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your pol-icy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

Eligible Risks:Disc JockeyPhotographer BakerCrafter (excluding manufacturing and distribution of candles made by individuals)Wedding/Party plannerJewelry (costume) makerTeacher/TutorCosmetic/Beauty sales consultant (excluding sport, physical education, industrial and martial arts)Personal fitness trainerLadies/Girls clothing, accessories

It was wedding season, and Grady’s Picture Perfect Images was booked every weekend for months. A couple scheduled their event far in advance and even paid their deposit on time. The couple expected Mr. Grady as their photographer on their Fourth of July wedding. Mr. Grady realized that he was double booked and called the bride to let her know the situation. The bride was furious and looked for another photographer. She was able to find another photographer last minute, but he charged four times the price of Grady’s Picture Perfect Images. The bride sued Mr. Grady for $6,000 – the cost of the new

photographer.

A customer visited an insured’s computer repair business operating out of their home. The customer slipped and fell, causing a fractured ankle that required surgery. Since the customer was at the home for business purposes, the Home Based Business policy provided the liability protection for this claim, valued in excess of $100,000.

A power surge caused electrical damage to the insured’s home bakery refrigeration system. The system failed, which resulted in food spoilage, repairs to the refrigerator as well as four days of lost income. The insured’s policy provided the equipment breakdown and business income coverage needed.

PHONE QUOTES 844.502.8925

The Main Event® — Special Event Product

We have the ability to provide fast quote turnaround for your

Special Events. Eligible classes can be covered for General

Liability, Liquor Liability or both!

PRODUCT FEATURES: General Liability Coverage and/or Commercial Liquor Liability

coverage available for events with up to 10,000 attendees

per day on most risks

The Host™ - Host Liquor Liability available for one-day events

with 500 or less attendees in many states

• Separate limits for General Liability and Host Liquor Liability

Automatic coverage for volunteers, temporary or leased workers, and committee members Food and beverage Product Liability included in the General Aggregate

Medical Payments coverage

Coverage for damage to rented premises

Property owner can be included as Additional Insured at no

charge

GREAT COVERAGE FOR: Beer Gardens/Beer Tents, Concerts/Musical Performances,

Festivals, Parties, Sporting Events, Motor Vehicle Events,

Car Shows, Conventions/Trade Shows/Exhibits, Fund

Raisers, Parades, Picnics, Weddings/Receptions and many

other miscellaneous events

LIMITS OF LIABILITY: Limits of $1,000,000/$2,000,000 available

ADDITIONAL ADVANTAGES: Low minimum premium

A.M. Best rated A++ carrier

Online quote, bind and issue system

This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy, Declaration Page and any Endorsements and discuss them with your Broker. A specimen policy is available from an Agent of the Company. Your actual Policy Conditions may be amended by Endorsement or affected by State Laws.

SEL-NR 2/08

USLI writes unsupported personal umbrella liability for the broadest range of applicant types in the industry. We offer coverage for preferred, standard and high risk households, as well as high profile individuals and farm and ranch owners.

Preferred Applicants: Operators between 23 and 75 years old

Limited exposure units (home, autos, RVs and watercraft)

Driving discounts apply

Zero accidents/DUIs; no more than 2 convictions

Limits up to $10 million on any quote ($5 million - FL;

$1 million - AL, MS, NH and VT; CT and ME if rentals)

Admitted in 45 states

Standard Applicants: Unlimited number of autos, RVs and watercraft up to 75’

Up to fifteen 1-4 family residential locations

Operator ages can range from age 23 through age 89

Six convictions in a household (3 years)

Three fault accidents in a household (3 years)

Limits up to $5 million on any quote ($1 million - AL, MS, NH

and VT; CT and ME if rentals)

Admitted in 45 states

High Risk Applicants: $1 million for any account with an operator age 90 or over for

auto and watercraft

Ten convictions in a household (3 years)

Five fault accidents in a household (3 years)

Any DUI in 5 years (zero if under age 23 or over age 89)

Limits up to $5 million ($1 million - AL, MS, NH and VT; CT

and ME if rentals)

Now admitted in most states

Any major category conviction in a household (3 years)

Farm and Ranch Owners: Farm revenues up to $1 million

2000 acres

250 grazing animals

Underlying liability must be on a personal lines form

Celebrity Applicants:: Designed for high profile individuals such as pro athletes,

entertainers, politicians, Fortune 500 CEOs, TV and radio

personalities and authors

Admitted for preferred or standard applicant types

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

Umbrella Product Information (8/14) 1/2

Personal Umbrella Product Information

Policyholders have access to many services through our Business Resource Center that will assist in growing and protecting their businesses

Attachment Requirements: $250,000/$500,000/$100,000 or $300,000 CSL for autos,

home, watercraft or RVs

$500,000/$500,000/$100,000 or $500,000 CSL for autos and

watercraft for any account defined to be at risk

$500,000/$500,000/$100,000 or $500,000 CSL for autos and

personal liability for any farm and ranch applicant

$500,000 C.S.L. or $500,000/$500,000/$100,000 for all

exposures - Celebrity Applicants

$1,000,000 for any watercraft 51’-75’.

$1,000,000 for any auto or watercraft where there is an

operator age 90 or over

Coverage Features: Optional excess UM/UIM available up to $1,000,000, $25,000

included in base rates

Broad definition of bodily injury and personal injury

True umbrella with drop down coverage for non owned

watercraft up to 26’, non owned RVs and non owned autos

outside the US

Worldwide coverage

Zero deductible

No aggregate limits

Coverage for both pre and post judgement interest

Additional USLI Advantages Personal umbrella can be written in the name of individuals,

trusts, LLCs, LLPs or the estate of, if primary residence is

included

Quote instantly via phone, live web chat or 24-7 online

Direct access to underwriters to get what you need

A++ rated carrier and a Berkshire Hathaway Company

Automatic renewals with no renewal applications required

Direct Bill at new business and renewal with multiple

installments, all with no fees or interest

Instant access for service, endorsement changes and help

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

Umbrella Product Information (8/14) 2/2

PHONE QUOTE 844.502.8925

Vacant Building Product

ELIGIBLE RISKS CAN INCLUDE:

u Vacant buildings

u Partially vacant buildings

u Vacant condominium units

u Vacant leased space

u Risks with renovations

u Residential and commercial risks

COVERAGE AND PRODUCT FEATURES:

u No restriction on the length of vacancy

u Minimum earned premium is only 25% even on 3, 6,

and 9 month policy terms

u Special form and replacement cost available on

structures that are 25 years old or newer

u Business personal property coverage available

u Can offer policy terms of 3, 6, 9 or 12 months

u Short term policy extensions by endorsement

u Vandalism is included with property coverage

u No liability deductible

u Risks with renovation work up to $250,000 in cost (Non

structural renovations only)

u Independent contractors coverage available

LIMITS OF INSURANCE

u Property limits up to:

• Risks up to $3,000,000 in total insurance value (depending

on protection class)

• Contents coverage up to $250,000

• Coastal zones: $500,000 per location

• Vacant condominium units: $500,000 per unit

u General liability limits up to:

• $1,000,000 each occurrence/$2,000,000 Aggregate

• Additional excess liability limits can be provided

Up to $5,000,000

ADDITIONAL ADVANTAGES:

• A.M. Best rated A++ carrier

• Quick quote turnaround

• Superior policy issuance

• Low minimum premiums

This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy, Declaration Page and any Endorsements and discuss them with your Broker. A specimen policy is available from an Agent of the Company. Your actual Policy Conditions may be amended by Endorsement or affected by State Laws.

VBPP-NR 7/10

Our Vacant Building Product is designed for your residential and commercial risks. Our product can be quickly and easily quoted for 3, 6, 9, or 12 month policy terms on a monoline or package basis.