Package Policy

Whether you are an individual barber or you've turned your skills into a small business; you may be concerned about claims of injury or professional liability. We have insurance to help protect you from those claims.

USLI CoverSmart insures a large variety of businesses. Many start as Home-based Businesses or even hobbies, but many also grow into operations that can involve additional people, specialized equipment, and professional services. Here you'll find policies tailored to many of these unique businesses and their most critical needs.

USLI calls CoverSmart "the Best Way to buy Insurance" and for good reason. It is an online quoting platform to purchase insurance from one or more USLI companies. USLI companies are members of the Berkshire Hathaway family of companies and have an A++ Superior rating for financial stability from A.M. Best.

Many florists who work from their home start out as people who love to create amazing arrangements. Their individual style shows in their designs. This hobby can quickly grow into a business that provides a source of income for what you do best. Helping you protect your business is what we do best.

Hairdresser, Styleist, or Cosmetologist - no matter what term you prefer there is uncertainty that comes with it. We have insurance designed for both individuals and small businesses.

A long list of eligible businesses includes Balloon Artists, Music Teachers, Musicians, Clowns, Magicians, Tax Preparers, Dance Instructors, Beauty & Cosmetic Consultants, Embroidery, Fictional Characters, Ceramics & Glassware, Kitchen Supply Sales, and Personalized Book & Gift Sales - over 100 eligible classes in all!

You guide your clients to the life they want lead. The process can be difficult but ultimately rewarding. We can help you get the right coverage so that your work can be the top priority.

Apply for Commercial Package, Workers' Comp, Cyber Liability, Professional Liability, and more from an array of America's leading insurance markets

Annual policy for Professional Photographers (also see under Videographers)

Many people discover a product that they love and realize they might be able to turn their passion into a business; whether it's clothing, jewelry, personal care products or housewares. Most homeowner's policies exclude business pursuits - we can help you address that gap.

A wedding may be the most important event in a lifetime. Wedding insurance can provide Liability, Liquor Liability, plus coverage for cancellation, lost deposits, damage to wedding attire, wedding photography, gift coverage and special jewelry coverage.