Hard-to-place small business risks are USLI’s specialty, and the group’s five companies let it issue admitted or non-admitted policies in all 50 states and the District of Columbia. A.W. Berry founded the modern company in 1951; Berkshire Hathaway acquired it in 2000, and all five carriers hold AM Best’s A++ (Superior) rating. You will find coverage here for contractors, restaurants and liquor risks, nonprofits and social service organizations, professional liability classes and special events, plus personal umbrella and landlord dwelling policies on the individual side. Speed is the operating promise: online quoting around the clock, telephone quotes with a live underwriter, and a three-hour target on submissions and binders.