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  USA: 866-632-2003
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  Canada: 866-539-2150
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Fraud Policy


USLI recognizes that fraud exists in the insurance industry. As such, it is the policy and mission of the Company to strive to detect and prevent insurance fraud through the employment of an effective and diligent Anti-Fraud Plan. As part of the Company’s management process, USLI claim staff will endeavor to thoroughly review each claim with the specific goal of identifying those claims exhibiting fraud related indicators, red flag events and situations or behavior indicative of fraud schemes. Those identified will be directed for specialized handling.


The purpose and goal of our Anti-Fraud Plan is to educate, detect, investigate and deter insurance fraud thereby helping to reducing insurance costs.


The Company has a Special Investigations Unit (S.I.U.) that is responsible for the review and disposition of all suspected fraudulent insurance acts. The S.I.U. also provides training to employees and appointed producers in detecting, investigating and referring cases of suspected transactional and claim fraud. If you are interested in assisting USLI in its anti-fraud efforts and would like to receive more information or training on how to detect and handle cases of suspected fraud, please contact one of the members of our S.I.U. listed below.

S.I.U. Review Committee

Lauren Reiley
Vice President, General Counsel, Chief Compliance Officer
1190 Devon Park Drive, Wayne, PA 19087-2191
(610) 225-2224

Jim Scalise
Senior Vice President, Chief Claims Officer
1190 Devon Park Drive, Wayne, PA 19087-2191
(610) 225-2551


The Company has an S.I.U. composed of a three person Anti-Fraud Review Committee responsible for the review and disposition of all suspected fraudulent insurance acts, a two person Anti-Fraud team responsible for the detection, evaluation, investigation and reporting to state fraud bureaus, and a Legal & Compliance Team to provide assistance in the Company’s anti-fraud efforts.


Insurance fraud will not be condoned by USLI. Our personnel are dedicated to the prevention of insurance fraud and will aggressively review, analyze, monitor, investigate and seek prosecution of fraudulent insurance acts to the fullest extent of the law. These acts include but are not limited to: Application Fraud, Certificate of Insurance Fraud, Fraudulent Insurance Claims and the Understating Rating Exposures such as Sales, Payroll, etc. Further, we will comply with state statutes with respect to the reporting, investigation, and preparation of Anti-Fraud Plans.


Suspected fraudulent insurance acts must be reported to the respective State Fraud Bureau where applicable. Those acts involving USLI should be referred to the company using the sample referral form.


All suspected fraudulent insurance act referrals including supporting documentation should be forwarded to:
Chief Compliance Officer
1190 Devon Park Drive, Wayne, PA 19087-2191

Privacy Policy

USLI has adopted a privacy policy to protect information about consumers. A “consumer” is a person who seeks or obtains products or services from USLI for personal, family or household needs. Under this policy, we will:

  1. Notify consumers of what information we collect about them, what information we disclose, who we disclose it to, and how we protect that information from unauthorized use or disclosure. This notice is called the “PRIVACY NOTICE”.

  2. Caution all nonaffiliated third parties with whom we do business against disclosing nonpublic information about consumers in connection with any agreements we may have with them and/or services they may provide for us. This notice is called the “NOTICE”.

The “PRIVACY NOTICE” is automatically included with all personal lines policies issued by USLI.


USLI issues a “NOTICE” to all nonaffiliated third parties with whom we do business cautioning against the disclosure of nonpublic consumer information in connection with any agreements we may have with them and/or services they may provide to us.


USLI respects and protects the privacy of consumers and has adopted a policy to minimize the sharing of their nonpublic information with nonaffiliated third parties. This information is protected physically, electronically, and administratively by procedures designed to ensure it is safeguarded.


We use “cookies” on our Internet website only to collect login name and password information from our agents. This allows our appointed Customers to access secure areas of our website. Our website does not collect any other information from our appointed Customers, nor does it collect any information whatsoever from other individuals.


We have links to third party organizations and companies. A link does not constitute an endorsement of content, viewpoint, policies, products, or services of that website. Please be aware that USLI is not responsible for the privacy practices of those sites even though USLI’s logo may appear on those sites. Our privacy statement applies solely to this website.


Available to consumers and Customers (what information we collect about them, what information about them we disclose, and how we protect that information).


Available to nonaffiliated third party contractors (prohibiting against disclosure of nonpublic information in connection with agreements we have with them and/or in connection with services they provide for us).