USLI

What USLI does

USLI is a specialty insurance underwriter founded in 1951 and headquartered in Wayne, Pennsylvania. The company underwrites low premium, low hazard specialty insurance products targeted primarily at small businesses, organized across six core product lines: Commercial, Hospitality and Liquor, Professional, Nonprofit, Individuals, and Special Events. USLI operates as a wholly-owned subsidiary of Berkshire Hathaway, which provides substantial capital backing, balance sheet strength, and underwriting discipline — structural advantages the company explicitly identifies as competitive differentiators.

The company distributes exclusively through appointed wholesale and retail brokers and agents who access USLI's product suite and quoting tools through the USLI-SNAP web portal (insurance.usli.com). USLI maintains nine physical office locations: its Wayne, Pennsylvania headquarters plus branch offices in Folsom and Mission Viejo (California), Greenwood Village (Colorado), Boise (Idaho), Oak Brook (Illinois), North Charleston (South Carolina), Austin (Texas), and Mississauga, Ontario (Canada). Beyond core insurance products, the company offers value-added services including the Business Resource Center (free and discounted business tools for policyholders) and InTrend, an industry podcast covering emerging risks and practical strategies in sales, claims, and underwriting. Marketing also includes content marketing, social media presence (Facebook, LinkedIn), and community outreach/CSR initiatives such as the CARE2 Fund.

USLI generates revenue through insurance premium collection on its specialty lines, with pricing conducted via broker-mediated quoting rather than public disclosure. The company employs 1,001-5,000 people and operates under Berkshire Hathaway's Code of Business Conduct and Ethics. Its stated value proposition centers on speed, ease of use, and accessibility in underwriting and service delivery.

Name

USLI

Legal name

USLI

Website

https://usli.com

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

USLI is a Berkshire Hathaway subsidiary underwriting low premium, low hazard specialty insurance—commercial, hospitality/liquor, professional, nonprofit, individual, and special event coverage—distributed exclusively through appointed brokers to small businesses.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Insurance Carriers (5241)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Nonprofit / Social Services BOP (FSAJAFAM), Contractors BOP / Artisan Package (FSAJAFAD)

Keywords

• Specialty insurance underwriting
• Small business insurance
• Commercial liability coverage
• Broker distribution network
• Low hazard insurance products

Headquarters

HQ city

Wayne

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premium Revenue: USLI generates revenue by underwriting specialty insurance products and collecting premiums from policyholders. The company specializes in low premium, low hazard specialty insurance products focused on small businesses.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

USLI underwrites low premium, low hazard specialty insurance products targeted at small businesses, distributed exclusively through a network of appointed wholesale and retail brokers and agents. The product portfolio spans six categories: Commercial, Hospitality and Liquor, Professional, Nonprofit, Individuals, and Special Events insurance. Policy servicing and transactions are facilitated through the USLI-SNAP broker/agent portal and online policyholder tools for billing, policy management, and 24/7 claims reporting.

Product overview

USLI is an insurance company specializing in underwriting low premium, low hazard specialty insurance products focused on small businesses. The company offers a portfolio of insurance products organized into six core categories: Commercial, Hospitality and Liquor, Professional, Nonprofit, Individuals, and Special Events. These products are delivered through a multi-channel distribution model including appointed agents and brokers, supported by the USLI-SNAP online portal. The company also provides value-added services including a Business Resource Center with free and discounted resources for policyholders, and InTrend, an industry podcast.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Specialty insurance products for small businesses covering various commercial risks; underwritten by USLI and distributed through appointed wholesale and retail brokers and agents.
• Hospitality and Liquor Insurance
• Professional Liability Insurance
• Nonprofit Insurance
• Individuals Insurance
• Special Events Insurance
• USLI-SNAP Broker/Agent Portal

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered minor.

• Independence Blue CrossminorOthersUSLI offers employees access to Independence Blue Cross behavioral health care navigation services, including virtual and in-person visits with in-network providers, as well as Teladoc telemedicine services for mental health support.
• SupportLincminorOthersUSLI provides employees with an Employee Assistance Program (EAP) through SupportLinc, offering five no-cost counseling sessions per condition per year, along with access to resources, videos, and support via text, phone, video, or in-person sessions.
• Guardian NursesminorOthersGuardian Nurses serves as a clinical ally for USLI community members and their immediate families, providing health advocacy and support services through benefits team referrals.
• RBC (for Canadian operations)minorOthersFor Canadian employees, USLI provides access to RBC's mental health and wellbeing support programs, including the RBC Well-being Program, Employee Assistance Program with three free counseling sessions, and CarePlus extended counseling services through paramedical allowances.
• Working AdvantageminorOthersUSLI provides employees access to Working Advantage, offering exclusive entertainment discounts, special offers, preferred seating, and tickets to top attractions, theme parks, shows, sporting events, movie tickets, and hotels.
• National Safety CouncilminorOthersAs a Berkshire Hathaway subsidiary, USLI community and family members have access to the National Safety Council's award-winning online defensive driving course at a discounted price of $19.95 using coupon code DRIVESAFE.
• ADPminorOthersUSLI provides employees access to ADP-powered employee discounts and deals through their personal ADP accounts, including lifestyle discounts and special offers.
• Time To Thrive NutritionminorOthersUSLI offers employees and family members access to on-site or virtual nutrition counseling sessions with Time To Thrive Nutrition, providing personalized, science-backed nutrition care. Under USLI's benefit plan, six free visits with a registered dietician are available annually.
• Slainte Fitness Center PartnersminorOthersSlainte Fitness Center provides employees with access to personal training, massage therapy services, and nutrition counseling. Personal trainers hold nationally accredited fitness certifications and degrees in exercise science.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Markel Group: Markel is a specialty insurance carrier underwriting niche commercial and personal lines, sharing USLI's focus on small-to-mid-market specialty risks with an underwriting-driven model. Both operate as specialty insurers with disciplined underwriting and broker distribution.
• RLI Corp: RLI is a specialty property and casualty insurer underwriting small commercial and personal specialty risks through wholesale and retail brokers. Like USLI, RLI focuses on niche, low-to-mid hazard exposures served through a broker channel.
• Kinsale Insurance: Kinsale is an excess and surplus (E&S) lines carrier specializing in small commercial and personal specialty risks, distributed exclusively through wholesale brokers. Its focus on small-premium specialty underwriting and broker-only distribution is closely aligned with USLI's model.
• Hiscox: Hiscox is a specialty insurer with a dedicated small-business division (Hiscox Small Business) underwriting professional liability and other specialty lines for small businesses through broker and direct channels. It is a direct competitor in US small-commercial specialty.
• Employers Holdings: Employers Holdings is a specialty workers' compensation carrier focused exclusively on small businesses. Its narrow small-commercial focus and broker distribution make it a comparable specialty small-commercial peer.
• ICW Group Insurance Companies: ICW Group is a specialty property/casualty insurer serving small to mid-sized businesses through independent agents and brokers. Its small-commercial broker-distributed model closely parallels USLI's.

Broad incumbents

• Hanover Insurance Group: Hanover is a diversified P&C insurer with a specialty commercial segment serving small-to-mid-market businesses through independent agents. While broader in scope, its specialty commercial division overlaps with USLI's small-business specialty focus.
• Cincinnati Financial: Cincinnati Financial is a P&C insurer whose commercial lines serve small-to-mid-market businesses through independent agents. Its specialty and surplus lines and small-commercial orientation create product overlap with USLI.

Emerging players

• Next Insurance: Next Insurance is a digital-native carrier underwriting small-business commercial insurance directly and through digital channels. It targets the same small-business segment as USLI but uses a technology-led direct-distribution model, representing an emerging competitive threat.
• CoverWallet: CoverWallet is a digital insurance platform focused on small-business commercial coverage, distributing on behalf of multiple carriers through an online experience. Its digital-first approach to small-business insurance intersects USLI's broker channel and end-customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/usli150
• LinkedInlinkedin.com/company/usli
• Xx.com/usli150

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about USLI