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One of our goals at USLI is to “Be the #1 Service Company within the Insurance Industry.” In pursuit of this goal, many years ago we created an “in by 2 p.m., out by 5 p.m.” service promise for all submissions. To set ourselves apart within the industry, we’ve always felt that being able to…
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According to CNN Money, millions of people across the U.S. will be evicted from their homes this year. The cost of rent has risen over 7 percent in the past few years, while incomes have only increased about 2 percent. As a result, many people struggle to afford their housing payments. With the steady rise…
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The success of a small business isn’t something that happens by chance. It is the result of careful planning that includes a proactive risk management strategy, and USLI is here to help! Our newly designed Business Resource Center website offers free and discounted resources that will help your insureds mitigate risk. Our goal with the…
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The gaming phenomenon known as the escape room first appeared in Japan in 2007. Since then, the social play experience has become widespread across the world. In March of 2016, the Boston Globe reported an astounding 3,900 percent increase in the industry from 2014-2015 alone. Now, escape rooms can be found in almost every major…
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Many off-premises caterers mistakenly believe that they do not have liquor liability exposure because they do not sell alcohol and do not have a license to sell alcohol. These caterers concentrate on the elegant preparation, presentation and service of food but can offer alcohol service as an accommodation for clients who purchase and supply the…
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High profile cyber breaches make great headlines. Sensational statistics, such as millions of affected individuals or hundreds of millions of dollars in exposure, can be heart-stopping. But, as the dust settles and the average private company executive returns to their duties, it is hard for him or her to truly understand what these losses mean….
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According to IBISworld, there are more than 1.4 million people working in over 250,000 hair salons or barber shops in the U.S. In order to be profitable in such a competitive marketplace, many salons now offer an expansive list of complementary services. In addition, more than 50 percent of the salons operate on a rental…
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While medical malpractice insurance is probably the most popular way for health care facilities to mitigate risk, employment practices liability (EPL) insurance is a close runner up. EPL claims are ranked second in severity. At USLI, we are trying to meet the ever changing demands that a health care facility faces. In the past, we…
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As of 2014, there are over 333,000 community associations in the U.S., comprised of about 66.7 million residents. Many of these Community Associations are managed by volunteer boards of directors that may not be aware of the additional loss exposures they face while serving on these boards. Without the proper insurance coverage, the board members…
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Equipment breakdown coverage is typically appropriate for properties that are occupied, often being linked to restaurants for food spoilage coverage, office buildings to cover communication devices and any other occupied building to cover air conditioning units, heaters, back-up generators, etc. But vacant buildings? This is not the obvious exposure for equipment breakdown coverage. Insureds may…
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