PreferredVerified Q1 2026
Source: USLI — Products
USLI: Artisan/Trade Contractors Insurance Appetite
USLI (United States Liability Insurance Group) is a Berkshire Hathaway company specializing in small commercial and specialty risks. Artisan contractors are one of their core classes. The key differentiator is national availability with competitive pricing for small contractors. The limitation is no WC or auto — agents need to place those lines separately. Best used alongside a full-package carrier to fill GL/BOP gaps.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Umbrella/Excess |
| Inland Marine |
Premium Range
$1,500-$12,000
Typical annual premium
Target States
All 50 states
Key Features
- Broad artisan contractor appetite including electrical, plumbing, HVAC, carpentry, painting
- BOP available for eligible contractors with annual payroll under $500K and sales under $1M
- GL limits up to $2M/$4M available
- Umbrella coverage up to $5M
- National availability — all 50 states
Limitations
- Contractors with more than 50% subcontracting are ineligible
- Annual payroll must be under $500K and sales under $1M for preferred package
- No workers' compensation — WC must be placed separately
- No commercial auto — auto must be placed with another carrier