StandardVerified Q1 2026
Source: USLI — Products
USLI: Retail and Mercantile Insurance Appetite
USLI writes small retail as a standard class with a $3M sales cap for their preferred package. Good option for single-location specialty retailers. The lack of WC and auto means agents need to pair USLI with another carrier for complete coverage. Best used when the retail account does not fit a full-package carrier's appetite.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Umbrella/Excess |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states
Key Features
- Broad retail appetite including bookstores, florists, gift shops, and specialty retail
- BOP with property limits up to $5M
- Preferred package for retailers with sales under $3M
- National availability across all 50 states
- Umbrella up to $5M
Limitations
- Sales should be under $3M for preferred package eligibility
- No workers' compensation or commercial auto
- Cannabis retail and dispensaries are excluded
- Convenience stores with gas pumps may face restrictions