United States Liability Insurance Group

What United States Liability Insurance Group does

United States Liability Insurance Group (USLI) is a Wayne, Pennsylvania-based specialty insurance underwriter and wholly-owned subsidiary of Berkshire Hathaway, founded in 1947. The company underwrites low premium, low hazard commercial, professional, and personal lines insurance products targeted at small businesses and individuals, organized into six product verticals: Commercial, Hospitality and Liquor, Professional, Nonprofit, Individuals, and Special Events. USLI operates as a specialty carrier within the small-premium, low-hazard segment of the US insurance market, serving SMB customers who are typically underserved by larger diversified carriers.

USLI's technology stack is conventional for the specialty insurance industry. The company maintains two primary digital platforms: USLI-SNAP (insurance.usli.com), a broker/agent portal for quoting, binding, and policy management, and myaccount.usli.com, a direct-to-policyholder account portal for billing, claims, and certificate-of-insurance retrieval. Complementary digital assets include the Business Resource Center (bizresourcecenter.com), a policyholder value-add hub of free and discounted business resources; the InTrend insurance podcast; and the Speed, Ease of Use and Accessibility (SEA) customer experience initiative. The firm employs 501-1,000 staff across its Wayne headquarters and eight branch offices located in California (Folsom, Mission Viejo), Colorado (Greenwood Village), Idaho (Boise), Illinois (Oak Brook), South Carolina (North Charleston), Texas (Austin), and Ontario, Canada (Mississauga). No proprietary AI/ML systems, APIs, or patents are disclosed.

The business model is quote-based insurance underwriting distributed primarily through appointed wholesale and retail brokers and agents, with a secondary direct-to-consumer channel via the online policyholder portal and phone support for billing, claims, and policy servicing. Premiums are billed monthly on a recurring subscription basis, with pricing determined by individual risk assessment rather than published rates. Revenue is generated through underwriting profit (premiums minus claims and expenses) and investment income on float, consistent with Berkshire Hathaway's broader insurance operations. USLI's distribution-led GTM motion emphasizes intermediary relationships and digital self-service rather than direct enterprise sales. The company is led by Chairman, President, and CEO Thomas P. Nerney, and operates without public financial disclosure given its private subsidiary status.

Name

United States Liability Insurance Group

Legal name

United States Liability Insurance Group

Website

https://usli.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

501–1,000 employees

Short description

USLI is a Berkshire Hathaway-owned specialty insurance underwriter in Wayne, Pennsylvania that writes low premium, low hazard commercial, professional, and personal lines for small businesses and individuals, distributed through an appointed broker/agent network and direct digital portals across the US and Canada.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241), Insurance Agencies and Brokerages (524210)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Nonprofit / Social Services BOP (FSAJAFAM), Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Specialty insurance underwriting
• Small business insurance
• Commercial lines coverage
• Professional liability insurance
• Hospitality liquor insurance

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

Revenue model

1. Insurance Premiums: USLI generates revenue through underwriting specialty insurance products for small businesses, collecting premiums from policyholders across Commercial, Hospitality and Liquor, Professional, Nonprofit, Individuals, and Special Events lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

USLI is a specialty insurance group that underwrites low premium, low hazard insurance products for small businesses across six core lines: Commercial, Hospitality and Liquor, Professional, Nonprofit, Individuals, and Special Events. Policies are distributed primarily through a network of appointed wholesale and retail brokers and agents, with digital self-service tools for quoting, policy management, billing, and claims.

Product overview

USLI operates as a specialty insurance company underwriting low premium, low hazard insurance products focused on small businesses. The company offers six core insurance products across distinct market segments: Commercial Insurance, Hospitality and Liquor Insurance, Professional Insurance, Nonprofit Insurance, Individuals Insurance, and Special Events Insurance. These products are complemented by customer-facing platforms including USLI-SNAP (the broker/agent portal), the Business Resource Center (BRC) providing policyholders with resources and discounted services, the InTrend insurance podcast, and the Speed/Ease/Accessibility (SEA) digital experience platform. USLI is a subsidiary of Berkshire Hathaway.

Differentiator

Problem solved

Functional benefit

Brands

• USLI-SNAP: Broker/agent portal for USLI insurance services.
• Slainte Fitness Center

Products and services

• Commercial Insurance Specialty insurance coverage for small commercial businesses, part of USLI's portfolio of low premium, low hazard insurance products.
• Hospitality and Liquor Insurance Specialty insurance coverage for hospitality businesses and establishments serving alcohol, addressing the unique liability risks of restaurants, bars, and hotels.
• Professional Insurance Professional liability and errors and omissions insurance coverage designed for small businesses, providing protection against claims arising from professional services.
• Nonprofit Insurance Specialty insurance coverage tailored for nonprofit organizations and charitable entities, addressing the specific exposures and liability risks they face.
• Individuals Insurance Personal insurance coverage for individual policyholders, providing individual and family insurance solutions.
• Special Events Insurance Insurance coverage for special events, providing protection for one-time or recurring event organizers against liability and cancellation risks.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered minor.

• American Red CrossminorOthersUSLI partners with the American Red Cross to host blood drives at their Wayne, Pennsylvania campus, providing employees opportunity to donate during work hours.
• Breastcancer.orgminorOthersUSLI raises funds for Breastcancer.org during Breast Cancer Awareness Month (October) and donates 1% of all new business premium collected during October. The company organizes various fundraising events including Pink Out Your Pet contests, auctions, and fitness events.
• Children's Scholarship Fund Philadelphia (CSFP)minorOthersUSLI began fundraising for CSFP in 2019. CSFP provides need-based scholarships to children from low-income Philadelphia families for tuition-based education at quality private and parochial schools.
• Eagles Autism ChallengeminorOthersUSLI supports the Eagles Autism Challenge annually, creating teams of walkers, runners and cyclists to raise funds for innovative autism research and programs. The company has participated since the inaugural event in 2018.
• United to Beat MalariaminorOthersUSLI has partnered with the United Nations Foundation's United to Beat Malaria campaign since 2006, the only organization with them since inception. The campaign provides bed nets and anti-malaria tools to protect vulnerable populations in Africa, Latin America and the Caribbean.
• The Vanguard SchoolminorOthersSince 2005, USLI has partnered with the Vanguard School in Paoli, Pennsylvania as part of its Community Vocational Program. Students with autism and Asperger's Syndrome come to the USLI campus for job training and coaching, with most going on to college or employment.
• Team IMPACTminorOthersUSLI formed a partnership with Team IMPACT in 2021, an organization that matches children facing serious illness and disability with college athletic teams. USLI hosts fundraising events to support the organization's mission.
• Toys for TotsminorOthersUSLI supports the Marine Toys for Tots Foundation annually through fundraisers, fitness challenges and special events to collect toy donations for children during the holiday season.
• Clean Water for HaitiminorOthersSince 2019, USLI's support has enabled the installation of more than 25,000 water filters, providing clean drinking water to an estimated 128,000 people in Haiti. Efforts have also created stable employment for 18-26 full-time Haitian staff each year.
• GreenDrop and Purple HeartminorOthersUSLI supports GreenDrop and Purple Heart organizations through clothing drives multiple times per year, helping local nonprofits fund programs while keeping reusable items out of landfills.
• National Safety CouncilminorOthersAs a subsidiary of Berkshire Hathaway, 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.
• Working AdvantageminorOthersUSLI provides community members access to Working Advantage, offering exclusive entertainment discounts, special offers, preferred seating and tickets to top attractions, theme parks, shows, sporting events, movie tickets, hotels and more.
• CARE2 Fund at USLIminorOthersEstablished in 2012 as a 501(c)(3) charitable organization, the CARE2 Fund allows USLI community members to request donations to charities they have personal connections with. The fund also serves as a portal for funds raised from the community to support company-selected causes.

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Direct peers

• Markel Group: Markel is a specialty insurer with a strong small-commercial and professional-lines focus, including hard-to-place risks. It directly competes with USLI in specialty small-business and professional liability segments, and is similar in serving niche markets through broker networks.
• Philadelphia Insurance Companies (PHLY): PHLY, a Tokio Marine company, is a top specialty insurer focused on small-to-mid commercial, nonprofit, and professional lines — overlapping directly with USLI's Commercial, Nonprofit, and Professional product suites. Both serve SMB customers through appointed broker networks and emphasize niche underwriting expertise.
• Hiscox Insurance: Hiscox specializes in small-business and professional liability insurance distributed through brokers and digital channels. It is a direct competitor in the small-commercial and professional-lines niches, with comparable focus on SMB customers seeking specialty coverage.
• Hanover Insurance Group: Hanover is a specialty P&C insurer with a strong small-commercial focus, particularly for niche industries. It competes directly with USLI in commercial package and specialty SMB underwriting through independent agent distribution.
• Cincinnati Financial: Cincinnati Financial underwrites commercial and personal lines through independent agents, with a long-standing focus on small-to-mid commercial accounts. Its distribution model and SMB customer profile closely mirror USLI's broker-driven specialty approach.
• AmTrust Financial Services: AmTrust specializes in small-commercial insurance, particularly workers' comp, commercial auto, and specialty lines for niche industries. It is comparable to USLI as a specialty small-business carrier using wholesale and retail broker channels.

Broad incumbents

• Liberty Mutual Insurance: Liberty Mutual is a large national P&C carrier with a small-commercial and specialty insurance division. While much larger and broader than USLI, it overlaps in commercial package, professional liability, and specialty SMB coverage through independent agents.
• Travelers Companies: Travelers is a major P&C insurer with a substantial small-commercial and specialty insurance book. While predominantly mid-market and enterprise, its small-business Select accounts overlap with USLI's commercial package products distributed through independent agents.

Emerging players

• Next Insurance: Next Insurance is a digital-first insurtech specializing in small-business and contractor coverage. While it competes primarily direct-to-customer rather than via broker networks, it targets the same low-premium SMB specialty niche as USLI with a technology-led value proposition.

Others

• Berkshire Hathaway Specialty Insurance: Berkshire Hathaway Specialty Insurance is a sister subsidiary under the same Berkshire Hathaway umbrella, focused on large-account specialty and commercial insurance. It does not directly compete with USLI's SMB niche but represents the broader Berkshire insurance ecosystem that USLI operates within.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

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

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 United States Liability Insurance Group