PERSONAL LINES
PRODUCTS / USG SPECIALTY / PERSONAL LINES
Our Personal Lines product provides flexible, reliable insurance solutions for a wide range of residential and personal exposures. We offer options for homeowners, high-value properties, rentals, seasonal or vacant homes, condos, and more, including specialty coverages such as flood, earthquake, and personal umbrella policies. Whether your clients need coverage for a standard residence or a more complex or hard-to-place property, we can tailor solutions to fit their unique circumstances.
With our underwriting expertise and access to diverse personal lines markets, USG Specialty delivers responsive service and thoughtful risk solutions. Agents can rely on us to help protect their clients’ homes, assets, and financial security. Contact us today to learn more about our personal lines products.
USG Specialty targets a broad set of personal-asset and residential/commercial-asset exposures:
Primary and Secondary Homes / Single-Family Homes / 1–4 Family Dwellings
High-Value Homes / Luxury Properties / Coastal Properties / Vacation Homes / Second Homes
Rental Properties / Rental Units / Condos / Apartments / Multi-Family Dwellings / Investment Properties
Vacant Homes, Vacant Residential Properties / Homes Under Renovation/Remodeling / Short-Term Rentals / Seasonal Properties
Homes With Higher Risks: Wood-Shake Roofs, Log Homes, Older / Historical Homes, Properties with Prior Claims, Properties In High-Risk Zones (Coastal, Fire Hazard, PC 9/10, Steep Slopes, etc.)
Home-Based Businesses and Small Professional Service Exposures (Small Business Operated from Home: Consultants, Photographers, Trades, Small Service Firms) as Part Of Personal Lines / Home-Business Exposure
Personal Umbrella / High-Risk Personal Liability Clients including those Owning Boats / Yachts, High-Value Vehicles, Recreational Vehicles, etc.
Boats & Yachts, Classic/Collector/Exotic Vehicles, Antique Cars, Vintage Motorcycles, Motorsports/Race Cars, Classic Trailers, Clients Needing Specialized Personal-Asset Coverage
CONTACT OUR SPECIALISTS
Brenda Kent
Producer/Broker
d: 470.579.5469
e: bkent@usgins.com
Jeannie Godin
Producer/Broker
d: 813.466.3573
e: jgodin@usgins.com
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Abstracting and Indexing Service
Accounting Service
Adjuster - Independent Claims Adjuster
Adjuster - Public Claims Adjuster
Administrative Support Service
Advertising Agency/Advertising Specialty Items Sales
Answering Service
Antique Gallery Shop
Appraisal Service
Antique Gallery/Art Studio
Artists Supplies Association Management Services
Auctioneers - Away from insured’s premises
Audit Service (Non-Financial)
Background Checking/Screening Service
Bakeries
Balloon Art
Barber Supplies
Barbers
Beauticians
Beauty Supplies
Billing Service
Book/Magazine Distributor
Bookbinding
Bookkeeping Service
Calligraphy
Camera/Photography Sales or Repair
Candle Sales, excluding sales of candles made by Individuals
Candy/Nut Confections
Car Detailer
Cell Phone/Pager Sales
Clock or Watch Repair
Clowns, Magicians, Entertainers
Compliance Consultant
Computer Repair
Computer Sales
Computer Service Bureau
Cosmetic Sales (Avon, Mary Kay, etc.)
Cost Containment Consultant
Court Reporter
Crafts
Damage Appraisers
Dance Instructors
Database Management
Desktop Publishing
Draftsmen
Dry Food Products/Mixes Vendor
Editorial Service/Proofreaders
Education Consultant
Embroidery
Employment Agency
Energy Consultant
Engraving
Expediting Service
Expert Witness Consultant
Financial Planning - exclude discretionary trading authority and/or access to customer funds
Floral Arrangement
Food Broker
Food Supplements/Vitamins
Fund Raising Services
Furniture Refinishers
Games Puzzles Vendor
Genealogist
Gift Delivery Service (Balloons, gift baskets, etc.)
Gift Shop - excluding manufacturing/distribution of candles made by individuals
Glassware
Graphic Artist/Designer
Grant Writing Service
Handicrafts
Hearing Aid Sales
Hobby & Model Supplies
Household Products - (Amway, Fuller, Brush, etc.)
Human Resource Consultant
Information Search Retrieval
Insurance Agents
Insurance Inspector
Insurance Risk Managers
Interior Decorating
Interior Window Treatments
Interpreters
Inventory Controls Specialist
Jewelry (Costume)
Kitchen Supplies (Tupperware, etc.)
Ladies/Girls Clothing, Accessories
Leather Goods
Lingerie
Loan Origination Service
Locksmith
Management Consultant
Market Research
Marketing Consultant
Mediator
Medical Claims Processing/Transcriptionist
Men’s/Boy’s Clothing Accessories
Models
Monogramming
Mortgage Field Inspection
Musical Instrument Sales/Repair
Newspaper/Magazine/Book Delivery
Notary Public
Officer Supplies Vendor
Paper Goods
Paralegal
Pay Telephone Provider
Personal Care Products
Personal Fitness Trainer (Class is not available admitted in NJ)
Personal Image Consultant
Personalized Books & Gifts
Pet Sitters
Photographer
Picture Framing
Prepaid Calling Card Vendor
Print Broker
Printer
Professional Organizer
Professional Speakers
Public Relations Consultant
Publisher
Real Estate Agents
Registered Agent
Religious Goods
Resume Service
Retail Toy Sales
Rubber Stamp Business
Scrapbooking
Secretarial Service
Shoe Repair
Sign Painting
Stationary
Statistical Consultant
Stenciling
Tailoring, Alterations, Seamstresses
Tax Preparer
Taxidermist
Teachers/Tutors
Telecommunications Consultant
Telemarketing, Telephone Solicitation
Toner Cartridge Recharging
Training Specialist/Seminar Conductor
Transcribing, Court Reporters
Translators
Travel Agent
Trophy Sales
TV/VCR Repair
Upholsterer
Video & Music Sales/Rental
Videotaping, Dubbing, Editing
Vinyl/Leather Repair
Wedding & Party Planners
Wedding Cake and/or Cookie Sales
Wood Furniture Crafters
Wood Products
Word Processing
Writers/Authors