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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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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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Religious organizations often rely on immunity laws and religious exemptions for protection against a variety of lawsuits, including discrimination allegations. Unfortunately, this reliance has bankrupted a large number of houses of worship and forced many others to close their doors permanently. While the First Amendment of the Constitution provides free exercise of religion in the…

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