General Liability

USIG underwrites liability insurance for a variety of classes, focusing on SME businesses, serving both well managed and under served risk in the marketplace.

We provide commercial liability coverage for hundreds of classes of business. We compete for business in seven major class groupings: Service Businesses, Artisan and Service Contractors, Hospitality, Habitational, Mercantile (retail and wholesale), and Lessors Risks.

  • wide variety of classes available

  • occurrence and claims made coverages

  • admitted and surplus market products

Contractors
We write a wide variety of contractors nationwide. We target SME contractors including GC's and Artisan contractors.
Hospitality & Habitational
We underwrite a mix of bars, restaurants, caterers, associations, and hotels/motels.
Lessor's Risk Only
We seek professionally managed and maintained properties that have acceptable lease terms.
Retail Stores and Other Mercantile
We write nearly all retail and wholesale operations with some limitation on products and operations.
Special Service
We underwrite a variety of Service businesses including Barber Shops, Car Washes, Dog Groomers, Churches, Day Cares and Laundries.

General Liability

  • wide variety of classes available

  • occurrence and claims made coverages

  • admitted and surplus market products

USIG underwrites liability insurance for a variety of classes, focusing on SME businesses, serving both well managed and under served risk in the marketplace. We provide commercial liability coverage for hundreds of classes of business. We compete for business in seven major class groupings: Service Businesses, Artisan and Service Contractors, Hospitality, Habitational, Mercantile (retail and wholesale), and Lessors Risks.

USIG’s General Liability insurance policy consists of a spectrum of coverages. By offering policies with flexible coverages between admitted and non-admitted options, we provide the safeguards to protect and provide our insureds peace of mind.

  • Property Damage
  • General Liability
  • Medical Payments
  • Bodily Injury
  • Personal Advertising Injury
  • Employers Liability Stop-Gap
  • Product Liability

We offer custom-tailored coverage solutions and innovative products for hundreds of classes of business

  • We routinely custom design products for a special need of a particular insured or for a program
  • Coverage Amounts: $1,000,000 each occurrence / $2,000,000 General Aggregate / $2,000,000 Products Aggregate
  • Markets: Admitted and Surplus Lines
  • Target Exposure: $25,000,000 or less in annual sales
  • In monopolistic states Stop-Gap is available

  • Contractors – We write a wide variety of contractors nationwide. We target the small to medium sized well-run contractor.

  • Hospitality and Habitational – We are a market for restaurants, bars, taverns, caterers and other types of hospitality business.

  • Lessor’s Risk Only – We seek professionally managed and maintained properties that have acceptable lease terms.

  • Retail Stores & Other Mercantile – We write nearly all retail and wholesale operations but may some limits on products.
  • Special Service – We underwrite a variety of Service businesses from Barber Shops to Car Washes and many others.

At USIG, we understand the importance and urgency in placing accounts. To meet these needs, we provide our wholesale and general agents the underwriting authority to meet the needs of retailers on a nearly immediate basis for qualified risks and businesses. To meet underwriting guidelines, please ensure submissions include all ACORD applications along with other supplemental and supporting information, including currently valued loss runs to expedite the underwriter process.

  • Policy claims are on an occurrence basis
  • Admitted and Surplus Solutions
  • We Custom design products for a special need

  • Surplus Lines
  • Admitted Insurer
  • Admitted and Surplus Lines
  • Coming Soon

Disclaimer: Certain Products or Markets may not be available in all States

We provide coverage for Hundreds of Risk Typesfor Seven Major Industriesfor Five Major Classes

We provide admitted and surplus market solutions : focusing on SME businesses

Target Classes

Binding Authority

State Availability

Coverages Offered

Our Policy

USIG’s General Liability insurance policy consists of a spectrum of coverages. By offering policies with flexible coverages between admitted and non-admitted options, we provide the safeguards to protect and provide our insureds peace of mind.

  • Property Damage
  • General Liability
  • Medical Payments

  • Bodily Injury

  • Personal Advertising Injury

  • Employers Liability Stop-Gap

  • Product Liability

Target Classes

We offer custom-tailored coverage solutions and innovative products for hundreds of classes of business

  • We routinely custom design products for a special need of a particular insured or for a program

  • Coverage Amounts: $1,000,000 each occurrence / $2,000,000 General Aggregate / $2,000,000 Products Aggregate

  • Markets: Admitted and Surplus Lines

  • Target Exposure: $25,000,000 or less in annual sales

  • In monopolistic states Stop-Gap is available

Contractors

We write a wide variety of contractors nationwide. We target the small to medium sized well-run contractor.

Hospitality and Habitational

We are a market for restaurants, bars, taverns, caterers and other types of hospitality business.

Lessor’s Risk Only

We seek professionally managed and maintained properties that have acceptable lease terms.

Retail Stores & Other Mercantile

We write nearly all retail and wholesale operations but may some limits on products.

Special Service

We underwrite a variety of Service businesses from Barber Shops to Car Washes and many others.

Binding Authority

Who we work with

At USIG, we understand the importance and urgency in placing accounts. To meet these needs, we provide our wholesale and general agents the underwriting authority to meet the needs of retailers on a nearly immediate basis for qualified risks and businesses. To meet underwriting guidelines, please ensure submissions include all ACORD applications along with other supplemental and supporting information, including currently valued loss runs to expedite the underwriter process.

A hand holding pen while signing document

  • Policy claims are on an occurrence basis

  • Admitted and Surplus Solutions

  • We Custom design products for a special need

General Liability Contact Information

VP Property & Casualty Underwriting

Sandy Nance, CPCU, ARM

Phone

Office: 800.874.8742 x 503

Direct:  614.369.3644

Email Address

snance@ufcic.com

VP Distribution & Field Underwriting

Don DeMent

Phone

Office: 800.874.8742 x 574

Direct:  380.267.3243

Email Address

ddement@ufcic.com

Downloads

ACORD 125

ACORD 125-CA

ACORD 125-FL

ACORD 126

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Topic *

State Availability

  • Surplus Lines
  • Admitted Insurer
  • Admitted and Surplus Lines
  • Coming Soon

Disclaimer: Certain Products or Markets may not be available in all States