United States Liability Insurance

To whom it may concern: The subject complaints involve a denial of coverage for certain claims under Policy # [redacted] issued by United States Liability Insurance Company ("USLI") USLI is licensed by the state of Georgia to write property and casualty insurance in the state As such, USLI is under the regulatory jurisdiction of the Georgia Department of Insurance The Department has primary jurisdication over disputes between USLI and its policyholders and thus is the exclusive arbiter in this matter If the complainant choses to file a complaint with the Department, we will provide a full and reasoned response within the time frame requred by law Thank you JR [redacted] P [redacted] , Jr General Counsel United States Liability Insurance Company

To whom it may concern:
The subject complaints involve a denial of coverage for certain claims under Policy #[redacted] issued by United States Liability Insurance Company ("USLI").  USLI is licensed by the state of Georgia to write property and casualty insurance in the...

state.  As such, USLI is under the regulatory jurisdiction of the Georgia Department of Insurance.  The Department has primary jurisdication over disputes between USLI and its policyholders and thus is the exclusive arbiter in this matter.  If the complainant choses to file a complaint with the Department, we will provide a full and reasoned response within the time frame requred by law.
Thank you.
J. R[redacted] P[redacted], Jr.
General Counsel
United States Liability Insurance Company

We are writing in response to the above referenced complaint.  Please be advised that the policy in question was written on an admitted basis by United States Liability Insurance Company.  Our company is under the sole and exclusive regulatory authority of the Illinois...

Department of Insurance.  Without waiving our right to withdraw from this complaint process at any time, we offer the following in response to the consumer's allegations.
1. Our company issued a commercial package policy to [redacted]. with a coverage period of 10/7/12 to 10/7/13.  The coverages and applicable premium were: commercial general liability ($634) and commercial property ($3,644).  The consumer opted for a three installment direct bill payment plan.  The first installment was invoiced to the consumer on 8/23/12.  The consumer did not pay the first invoice so she was re-invoiced on 9/17, then again on 10/2.  Ultimatley, the consumer paid this invoice and the subsequent installments for a total policy premium of $4,278.
2. At the request of her agent, [redacted] & Associates, the policy was renewed under Policy #[redacted].  The coverage period is 10/7/13 to 10/7/14.  Prior to renewing the policy, as required by law, our company sent the consumer a notice of conditional renewal stating that the policy would be renewed at an increased premium. Her agent [redacted] received a copy of the notice.  Prior to issuing the renwal policy, our company sent the consumer's agent a quote for general liability coverage for a premium of $762 and commercial property coverage for a premium of $5,872.  These increases were part of a state-wide increase which was approved by the Department of Insurance.  The quote was sent through our wholesale agent , [redacted] because [redacted] is not our appointed agent.
3. Presumably, the premium was acceptable to the consumer because the policy was renewed at a total premium of $6,634.  Again, the consumer opted for a three installment premium payment plan.  The first installment ($2,653.60) was invoiced to the consumer on 8/23/13.  The consumer did not pay, and she was re-invoiced on 9/17, then again on 10/2.  The second installment ($1,990.20) was paid and the consumer was invoiced for the third and final installment ($1,990.20) on 2/14.
4. Our call logs show the consumer called our service center at 4:24 pm and at 4:50 p.m. on 2/21.  We have interviewed the individuals she spoke to and both have categorically denied being "unprofessional" in any way.  Both noted that their conversations with the consumer were informational and not, in any way, confrontational.  The consumer was mistaken in thinking that her second installment payment of $1,990.20 was the final installment, when in fact, one more payment in the same amount was due.
5. We regret that the consumer did not understand the premium increase or was confused about her payment plan.  Perhaps [redacted] did not adequately explain these matters to their client.  Since [redacted] is not our agent, we have no control over their interactions with clients.
We trust this matter is now resolved.

USLI is regulated by the insurance department in the state where the complainant resides.  The insurance department has exclusive jurisdiction over consumer complaints.  If the complainant files a consumer compliant with the insurance department, we will provide a timely and thorough...

response.  USLI does not believe the Revdex.com has the technical expertise to mediate disputes in matters involving insurance.

Review: I had a Policy thru USLI from Jan.'13, but when I had a Water Damage on July 16, 2013 & contacted USLI, I found out that I don't have a building coverage on my policy, due to their agent, [redacted]'s mistake.

This whole thing is turning into a big nightmare for me. USLI will not go back and re-write under 'admission in error' clause. They simply told me that their underwriter will not do it, & will not give me his name.

**. [redacted], Vice President of USLI, have spoken with my father who's retired from [redacted]. In 38 years of my father's insurance practice with [redacted], he says he has never seen such poor customer service, & gross negligence. Client has right to have their calls returned promptly & know the status of their claim. And when you promise a deadline/delivery date, you should keep them. Further more, my current agent says, "in order for me to exclude the building coverage, it has to be an specific addendum saying such action. This covers the carrier & no confusions down the road". And when I asked for a copy of my policy, it took over 1 month for their employee, [redacted], to send it when she told me it will be sent out right away. **. [redacted] simply said "sorry" for her action. I have to call at least 5 times before someone calls me back once. (I have all the phone records). I have heard too many "sorry" in the last 2 months, from USLI & [redacted], but I'm the one with loss. I left **. [redacted] & [redacted] a message last week, & again I do not get a return call. Same goes for USLI's adjuster, **. [redacted]. I have given up hope that she will return my calls, as she feels she only reports to **. [redacted]. I asked her to send me a copy of the damage of the building, & she told me that she will talk to [redacted] and then let me know. That was over 1 month ago & still no word. Only thing I got from her was to ship the damaged linkage to her, as she was too busy to come and pick them up form me in [redacted], SD. I spoke with **. [redacted] on Aug. 26th, & he also sent me an e-mail on the same day telling me he will find out where this so called 'Inventory Expert' situation is at with [redacted], and let me know right away. It's been over 2 weeks I haven't heard anything from him. How many times do they break their words with me? I remember when I first spoke with **. [redacted] on July 23rd, he said that “If you don't have invoices/receipts on these water damaged goods, we'll use common sense on the inventory, and should have everything settled right away. And then a week goes by, he changed his mind & told me that he will fly & 'Inventory Expert to [redacted] SD to look at the damaged goods, because these hand bags were old. As soon as he lands in [redacted] he will evaluate the goods, and the settlement should be done. Did he not know from the beginning of the claim that they were old? I told [redacted], from the day that the bags were old inventory, & they were specialty bags (Eel-skin). 2 weeks has goes by, & expecting the evaluation has been done, I called **. [redacted] for an update. He told me nothing was done to this date, & I was appalled. His excuse was it was too expensive to fly an 'Expert' to [redacted] , so all the goods will be shipped to [redacted] . That's been over a months now, & on Aug 12th, he left a message on my phone saying it will take 7-10 days for this 'Inventory Expert' to evaluate the damaged goods. I waited patiently till Aug. 26th & he told me again he'll get back with me right away. That's over 2 weeks ago. Every time I call him for an up date, he seems to be irritated that I called him, instead of [redacted]. But when I call [redacted] for an update she never returns my call (until I called her boss reporting that she has not returned my 4 calls.) because she doesn't have to report to me. From whom am I supposed to get my settlement information? Every word **. [redacted] has given me so far has been delay after delay, & just plain brush off. I still don't have itemized inventory list from [redacted] which she promised me when she 1st picked up those 5 boxes, that was about 8 weeks ago. When I complained about this matter, his excuse again was, and I quote, “These people are all independent adjusters, and it's hard to get good adjusters in a small city like [redacted] SD". This proves he even admits that they are doing a poor job. Yet I'm the one taking the blunt end of the loss. It's going on 2 months now & I have no idea where goods/parts are or who's working on it. About a month ago, I asked [redacted] for the 'Expert's name and contact #, & she refused, only said that he's been doing this for over 30 years.

I will fax the copies of letters & e-mails about this case.Desired Settlement: All I know is that this company took excess of $50,000 worth of goods from me and no body is returning my calls. How long does it take for this 'Expert to evaluate the goods?

I am filing this complaint for fair practice of insurance & poor customer services. USLI has a very poor-performing agent representing & operating on their company's behalf, & the responsibility should fall on USLI as well when they make a mistake.

I am not an owner of a big company. I own a family owned business with my wife & we work very hard to earn our living during the motorcycle rally in [redacted] every year. This year our business was tremendously low due to lack of Inventory. USLI took 5 boxes (approx. $50,000 worth) of our Inventory. If USLI gave us some kind of advancement check, we could have bought more new goods to sell during the rally. But we lost out.

It has been over 2 months since I started the claim. I would like a fair, immediate settlement for this claim.

Business

Response:

[redacted] (hereinafter, "the Company"), an affiliate of United States Liability Insurance Company, issued Policy No. [redacted] to [redacted], a mercantile business owned and operated by the complainant. As referenced in his complaint, on July 24, 2013 **. [redacted] submitted a claim to the Company for water damage to the insured property. The claim is still open and under investigation.

The Company is regulated by the Department of Insurance. It is our understanding that **. [redacted] has already filed a complaint with the Department and we intend to respond through that channel only. Therefore, we will not be participating in the Revdex.com Consumer Dispute Resolution Process.

Review: Last year my insurance for 3 properties was $4200 I renewed and have sent the payments they requested which I added up to be over $4600 they sent a statement saying I owe 1 more payment for $1900 that would be over$6500 I called the company and was told in a very unprofessional way that if the $1900 was not paid my insurance would be canceled in March. They said if I wanted to know anything else contact my broker so I called [redacted] of [redacted] to ask why he did not know and was not aware. There were no claims made on any of the properties so that was not the reason. After waiting 6 days for an answer he sent me an email saying that they had a nation wide increase. I was never told this prior to renewal or after just a final bill came.

Business

Response:

We are writing in response to the above referenced complaint. Please be advised that the policy in question was written on an admitted basis by United States Liability Insurance Company. Our company is under the sole and exclusive regulatory authority of the Illinois Department of Insurance. Without waiving our right to withdraw from this complaint process at any time, we offer the following in response to the consumer's allegations.

1. Our company issued a commercial package policy to [redacted]. with a coverage period of 10/7/12 to 10/7/13. The coverages and applicable premium were: commercial general liability ($634) and commercial property ($3,644). The consumer opted for a three installment direct bill payment plan. The first installment was invoiced to the consumer on 8/23/12. The consumer did not pay the first invoice so she was re-invoiced on 9/17, then again on 10/2. Ultimatley, the consumer paid this invoice and the subsequent installments for a total policy premium of $4,278.

2. At the request of her agent, [redacted] & Associates, the policy was renewed under Policy #[redacted]. The coverage period is 10/7/13 to 10/7/14. Prior to renewing the policy, as required by law, our company sent the consumer a notice of conditional renewal stating that the policy would be renewed at an increased premium. Her agent [redacted] received a copy of the notice. Prior to issuing the renwal policy, our company sent the consumer's agent a quote for general liability coverage for a premium of $762 and commercial property coverage for a premium of $5,872. These increases were part of a state-wide increase which was approved by the Department of Insurance. The quote was sent through our wholesale agent , [redacted] because [redacted] is not our appointed agent.

3. Presumably, the premium was acceptable to the consumer because the policy was renewed at a total premium of $6,634. Again, the consumer opted for a three installment premium payment plan. The first installment ($2,653.60) was invoiced to the consumer on 8/23/13. The consumer did not pay, and she was re-invoiced on 9/17, then again on 10/2. The second installment ($1,990.20) was paid and the consumer was invoiced for the third and final installment ($1,990.20) on 2/14.

4. Our call logs show the consumer called our service center at 4:24 pm and at 4:50 p.m. on 2/21. We have interviewed the individuals she spoke to and both have categorically denied being "unprofessional" in any way. Both noted that their conversations with the consumer were informational and not, in any way, confrontational. The consumer was mistaken in thinking that her second installment payment of $1,990.20 was the final installment, when in fact, one more payment in the same amount was due.

5. We regret that the consumer did not understand the premium increase or was confused about her payment plan. Perhaps [redacted] did not adequately explain these matters to their client. Since [redacted] is not our agent, we have no control over their interactions with clients.

We trust this matter is now resolved.

Review: I contacted a local agent, Colby P[redacted], to find coverage for our event services company in September, 2013. At the time we were looking for a policy to cover a specific date (as requested by the venue). The agent called back to say that United States Liability Insurance (USLI) could offer services to cover us for a calendar year. They also listed those specific dates to cover that venue. We agreed to this policy with the understanding that our policy provided 1million dollars (USD) coverage for Alcohol, General, and Umbrella liability (1mil per section of coverage). The policy was to be from October, 2013-October, 2014. We were forwarded the Proof of Insurance with these dates to confirm. Since September of 2013, we have made our monthly payments in the amount of $127.50 (USD). We have had correspondence with USLI over this past year to ask questions or to obtain general information.

In May of 2014, we contacted the company with a claim. We were OUTRAGED to find out that USLI said that we were not covered. There was never a clear answer only that our policy details were not clear. The claim representative only said that she understood the policy to mean that we were ONLY covered for the specific dates in 2013. When we inquired further about why our payments were continuously accepted well beyond that date we only received apologies for the misunderstanding and promises that the policy would be corrected from this point on. However, any subsequent calls resulted in me being referred to my local agent and/or no solid answers.

The first week of August, I contacted USLI regarding a possible claim. I was given the runaround...again being referred to my agent and a third party company for the forms to forward to the possible claimants. After the completed forms were forwarded to USLI we received a call from a claim representative (Michael) who asked for our side of the story. Afterwards, he explains to me that we did not have coverage. He said that our policy was NEVER corrected back in May. We were still only showing coverage for the specific events in 2013...this even after we were sent additional confirmation that our coverage was from OCT, 2013 thru OCT, 2014. I asked for him to explain this to me...he could not. I spoke with another representative (Bill) who could not explain this and referred me back to Michael (claim rep) and to my local agent. After nearly an hour of being juggled between the two, I was advised that I would be receiving a letter in the mail to summarize their decision about my claim. Instead I have received a letter stating that once my policy ends in OCTOBER, 2014 they will no longer be serving my area.

In the meanwhile, we have forwarded direct event information to the company (USLI). This is to insure that they know which dates need to be added/covered. One such event will be August 21, 2014. I just received and email that states they will not cover this events. The reason given CLAIM HISTORY. Claim history on a policy that they say does not exist or does not cover us is quite outrageous.

As an entrepreneur, we went to this company for protection and peace-of-mind only to find out that they are the very entity that we needed protection from! This has been a truly painful experience!Desired Settlement: The desired outcome would be for USLI to refund all payments they have received from us since September, 2013. The only other desired alternative would be to back date our policy to provide the Umbrella, General, and Alcohol Liability from October 2013 thru October 2014.

Business

Response:

To whom it may concern:

The subject complaints involve a denial of coverage for certain claims under Policy #[redacted] issued by United States Liability Insurance Company ("USLI"). USLI is licensed by the state of Georgia to write property and casualty insurance in the state. As such, USLI is under the regulatory jurisdiction of the Georgia Department of Insurance. The Department has primary jurisdication over disputes between USLI and its policyholders and thus is the exclusive arbiter in this matter. If the complainant choses to file a complaint with the Department, we will provide a full and reasoned response within the time frame requred by law.

Thank you.

J. R[redacted], Jr.

General Counsel

United States Liability Insurance Company

Review: I cancelled 2 policies and I have not been provided my refund. I have contacted the company twice and they had me contact the agent. I told the agent, [redacted] and he said they would not cancel my policy on the dates I provided. I have the right as a policy holder to cancel insurance when I want. There is no binding or legal obligation to keep for a certain period of time or committment.Desired Settlement: I want a refund check for the days of wish the insurance should of been cancelled and I have the for** that I faxed over to the insurance agent who is a broker. Which the properties are: [redacted] cancellation date 4/24/13, [redacted] cancellation date 7/9/13. I have the for** still and the agent said I would have to deal with the insurance company directly. Both parties are putting the blame on each other.

Business

Response:

[redacted]

The Revdex.com

Re: [redacted]

Dear **. [redacted],

I am responding to the complaint filed by [redacted] against United States

Liability Insurance Company, on behalf of [redacted], **.

**. [redacted] is requesting cancellation of United States

Liability Insurance Company Policy No. DP [redacted] effective April 24, 2013 and Policy

No. DP [redacted] effective July 9, 2013. We

are willing to cancel the policies upon receipt of signed “Lost Policy Release”

forms showing the requested cancellation dates. **. [redacted] indicates in the complaint that he

has such forms.

I called **. [redacted] at the phone number provided in the

complaint but have not received a response.

I will continue to follow up with **. [redacted] and will be able to work with

him once contact is established.

We trust this explains our position. United

States Liability Insurance Company is regulated by the Department of Insurance,

which has a consumer complaint system.

Therefore, if **. [redacted] were to have any additional issues with his

policies, we would direct him to contact the Missouri Department of Insurance

for assistance.

Very truly yours,

Counsel, Legal & Compliance

Direct: ###-###-####