USG Insurance Services review for retail agents: programs, access and binding authority
USG Insurance Services is a Tampa wholesaler and MGA that writes in every state. It places commercial property and casualty and runs programs for garages, car haulers, storage tanks and coastal buildings. Its E&S business, short for excess and surplus lines, goes to carriers not licensed in your state that take risks admitted carriers won't.
It suits agencies that want one wholesaler for E&S, admitted small commercial and surety. You start by opening an INS LINK account online.
- Best for
- Agencies that want a nationwide E&S and admitted wholesaler with garage, transportation, surety and coastal property programs
- Type
- Family-owned wholesale broker and MGA in Tampa, Florida
- Lines
- Property, casualty, garage, transportation, workers comp, environmental, surety and personal lines
- Access
- Create an INS LINK account online or email GetConnected@usgins.com
- Authority
- Quotes through USG teams and INS LINK. Coverage starts only when a USG underwriter confirms it in writing
- States
- Licensed in all 50 states, with 20+ branch offices
Our take
USG has more than 220 people in 20+ branches and says it wrote $370 million of premium in 2024. Its specialty teams cover garages, trucking, environmental, surety, comp and personal lines.
It fits agencies that like picking their own underwriter. USG doesn't split teams by territory or account size, and INS LINK shows where every account stands.
Don't expect instant binding. Coverage starts only when a USG underwriter confirms it in writing.
Pros
- Online sign-up through INS LINK
- Work with any USG producer, anywhere
- Admitted Package from $500 premium
- Its own premium finance company
- Contract surety in every state
Cons
- No online binding
- Carriers aren't named on public pages
- Commission and fee terms aren't published
- Coastal Edge skips Louisiana and Tri-County Florida
Who they work with
- Who can submit
- Licensed retail agents and brokers
- How to get access
- Create an INS LINK account with the New User link, or email GetConnected@usgins.com
- Who you work with
- Any USG producer. Teams aren't split by territory, coverage or account size
Open an INS LINK account
Use the New User link at usginslink.com.
Send an account
Submit in INS LINK or email GetConnected@usgins.com.
Pick your team
Work with whichever USG producer you like for any state or line.
Programs and what they write
| Program | Type | Lines |
|---|---|---|
| Commercial wholesaleProperty, casualty, contractors, habitational and hospitality | Wholesale broker and MGA | Property, GL, excess, professional, marine and aviation |
| Brokerage DivisionLayered property, casualty and professional | Wholesale broker | Property, casualty, excess, builders risk and professional |
| Admitted PackageStandard small commercial classes | Specialty wholesaler | Package, GL, property, comp and umbrella |
| Garage and dealersRepair shops, dealers, towing and salvage | Specialty wholesaler | Garage liability and auto |
| USG Specialty divisionsSpecialty teams once sold under the AAU brand | Specialty wholesaler | Environmental, transportation, comp, personal lines, flood and surety |
| Coastal EdgeCoastal commercial property up to $5 million TIV | Program | Commercial property |
| Auto HaulersFor-hire car haulers | Program | Physical damage and cargo |
| Storage tanksAbove and underground commercial tanks | Program | Tank pollution liability |
Coastal Edge skips Louisiana and Tri-County Florida. Contract surety is offered in every state.
Program details
- Auto Haulers cargo up to $1,000,000 per unit
- Storage tank limits up to $5,000,000, tanks up to 30 years old
- Dealer garage liability up to $1M/1M/3M
- Tow trucks up to 26,000 GVW on the On Hook program
- Boat haulers with no water exposure
- Comp for more than 350 standard classes
Surety bond rates USG publishes
- Bid bonds usually free
- Performance bonds from about 1% for strong contractors
- Around 3% for standard risks
- 3.5% or more for weaker credit
How to submit
- How it works
- Work with a USG producer, who brings in specialty teams. INS LINK quotes online and sends new business to underwriting
- Submit by
- INS LINK, GetConnected@usgins.com or a local office or named specialist
- Documents needed
- Line applications from each product page, such as garage, cargo, storage tank or surety
Quote and bind authority
"Takes your submission" means you send the risk to the firm. Where a cell is blank, the firm publishes nothing on that step.
| Program | Takes your submission | Quotes |
|---|---|---|
| Commercial wholesale | ||
| Brokerage Division | ||
| Admitted Package | ||
| Garage and dealers | ||
| USG Specialty divisions | ||
| Coastal Edge | ||
| Auto Haulers | ||
| Storage tanks |
USG underwriters bind after you submit, and coverage starts only once one confirms it in writing. A website, email or voicemail submission binds nothing, and there is no online or agent binding.
Carrier paper and admitted status
- Admitted or surplus lines
- Both. The Admitted Package is admitted and Coastal Edge is surplus lines
- Markets
- More than 300 brokerage markets, by USG's count
Billing and premium finance
- How to pay
- View and pay invoices, surety bonds and finance contracts in INS LINK
- Premium finance
- Brokers Financial Services, a USG company that also finances non-USG business
Surplus lines taxes and filings
- Who files
- USG doesn't publish this. Ask who files the taxes and affidavits before you bind
Claims and loss runs
- Claims help
- The USG Service Center at claims@usgins.com
- Loss runs
- lossruns@usgins.com
Who owns the account
- Who owns the expirations
- USG doesn't publish its terms. Ask for them in writing before you sign
Portal and integrations
- Portal
- INS LINK, open at any hour
- Online quoting
- Yes, with pipeline status and direct clearance to underwriters
What you can do in INS LINK
- Quote online
- Track each account's status
- Pay invoices and bonds
- Download applications
- Customize marketing pieces
- Use training resources
Support for retail agents
- Contact
- 844-467-5465, GetConnected@usgins.com or live chat. Accounting at ar@usgins.com
- Underwriter access
- Product pages name specialists, and local branches are listed online
USG Insurance Services alternatives
- Bass UnderwritersFlorida-based wholesaler that lets you quote before appointment
- Burns & WilcoxLocal offices nationwide, plus online flood
- JencapBrokerage, small business binding and contractor programs
- RT SpecialtyE&S brokerage with RT Connector online binding
- Johnson & JohnsonSoutheast wholesaler with online homeowners and flood binding
See every option in insurance mGAs and wholesalers.
Frequently asked questions
How do I start with USG?
Create an INS LINK account or email GetConnected@usgins.com. Any USG producer can then take your accounts.
Can I bind USG coverage online?
No. An authorized USG underwriter has to confirm coverage in writing.
What is the minimum premium on the Admitted Package?
$500, and USG says it will look at any account size.
Does USG offer premium finance?
Yes, through Brokers Financial Services, its own finance company.
How we researched this review. We based this review on the terms and product pages published by USG Insurance Services, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan USG Insurance Services quit selling or a contract term that reads different now, let us know and send the link to the page where USG Insurance Services has it. Somebody here pulls up that page and checks it before we change anything on ours.