Certain pages on our website may contain links to third-party sites that USLI does not own, operate or control. This third-party content is subject to the published policies and practices of those third parties. USLI and Devon Park Specialty COVID-19 (CORONAVIRUS) UPDATE Last Updated: October 1, 2021 The COVID-19 pandemic has brought unique challenges to the insurance industry and to the small businesses we insure. Through this difficult time, USLI and Devon Park Specialty are here to deliver on our service promises. We are fully operational and available by phone, email and online — please reach out to any community member for assistance. This time of uncertainty and change has led to a lot of questions. As this situation continues to unfold, we don’t have all the answers, but we do commit to you, our customers, that we will continue to work through these challenges and adjust as we learn more from insurance regulators, vendors and others. Please note: This general guidance is based on the information we have at this time. The answers are subject to change without notice. We will endeavor to update this page to keep you as informed as possible. No statements should be construed as changes to existing in-force policies, nor should they be used to interpret the existence or lack of coverage or how coverage may apply to potential future claims. Payment Plans, Grace Periods and U.S. Postal Service Delays We encourage all Direct Bill policyholders experiencing difficulty with premium payments to contact us to discuss options. We are aware that the U.S. Postal Service (USPS) is experiencing service delays due in part to the ongoing COVID-19 pandemic and a substantial increase in package shipments. We are working with our Direct Bill policyholders to avoid any policy cancellation due to these mail delays and are assisting policyholders with questions they may have regarding overdue invoices and premium payments. We encourage all Direct Bill policyholders to take advantage of our online policy, billing and payment portal by registering at www.usli.com/ezpay. By doing so, policyholders can view their policy, billing and payment history, select paperless options and make premium payments electronically. Our Instant Access team can be contacted at (866) 632-2003 for further assistance. We are working with those policyholders who need assistance in some form, by providing a grace period, modified payment schedule or bill plan change. Our Direct Bill minimum premium requirements will be waived when requested at time of binding, and any of our bill plans will be made available to ease any immediate financial burden. Changes in Exposure Basis We will continue the end-of-term audits for those policies that have audits documented on the original quote. If the exposure basis has decreased as a result of the audit, we will provide a return premium at that time, subject to the minimum premium. For any other policies where a material reduction in exposure has occurred, please contact your underwriter for review. For California and New Jersey policyholders, the individual policy review will be conducted in compliance with California Bulletins 2020-3 and 2020-4 and New Jersey Bulletin 20-22. Inspections We have temporarily stopped ordering all physical inspections. We may resume ordering physical inspections at a later date; however, in the meantime, we may request that the policyholder complete a self-inspection. For inspections already ordered, we have communicated with our inspection companies that if they or the insured does not feel comfortable completing an inspection due to coronavirus concerns, it will be documented as such, and we will not cancel for failure to allow the inspection. We reserve the right to inspect at a later date. Underwriting Accessibility USLI is open for business and ready to assist in servicing our customers and policyholders. USLI offers three ways to get a quote: 1) Contact your underwriter 2) Call Instant Quote (888) SPD-USLI 3) Web Quote 24/7 - U.S.: www.USLI.com | Canada: www.USLI.ca Product Updates Bars/Restaurants We will consider adding hired and non-owned automobile on existing bar/restaurant policies in effect on or before March 24, 2020. Please submit any such requests to your underwriter. Wedding Plus As of October 1, 2021, the Wedding Plus product is not available in the following states: CA, DC, HI, ID, NV, NY. Weddings taking place in these states will be quoted on the Main Event product, which will not include coverage for cancellation/postponement and lost deposits. Janitorial USLI will once again consider new venture risks USLI will once again make this product web quote eligible USLI will, however, continue to make ineligible any risk performing COVID-19 or virus/bacteria cleaning Hotel/Motel A temporary binding prohibition is in place for any new business for the hotel/motel product. We will not accept increases on any limits to policies inforce. Extending or Refreshing Quotes We will handle these situations as we always have. Please contact your underwriter, and reconfirm all of the pertinent underwriting and rating information. They will review and refresh the quote under the current rules and are happy to work with you as we navigate these opportunities to bind coverage. Requests for Higher Limits and Additional Coverages Any requests for higher limits and/or additional coverage(s) will need to be reviewed by an underwriter. Please submit any relevant information regarding the applicant and the need for the change to your underwriting contact for review. Policy Term Extensions Normal policy expiration procedures will be in effect except where state regulators have implemented specific rules. Questions on specific policies may be reviewed with your underwriter. Exclusions Related to Virus, Communicable Disease USLI and Devon Park Specialty have used and will continue to use various exclusions related to communicable diseases, viruses, pathogens, etc. You should continue to review all quotes, as is your normal practice, prior to binding. All claims should be submitted for review to allow for a complete investigation of those specific facts and a review of policy language before any decision on coverage is made. Claims Reporting and Notification All timelines for claims reporting, responses to ongoing claims, appeals, etc. will follow policy language unless state regulatory rules require otherwise. As with all claims, customers will receive a notice when a claim is filed along with a general description and additional communications as the claim progresses. Customers can also request a claim status at any time by emailing claimstatus@usli.com. NOTICES TO POLICYHOLDERS These notices were issued in compliance with directives issued by the individual state insurance departments. Individual policies are unique and must be reviewed for their specific coverage, terms and conditions. We will review and investigate each and every claim for the individual facts, coverage and jurisdictional laws to determine the availability of coverage. NEW JERSEY ADMITTED POLICYHOLDER NOTICE USLI | DEVON PARK SPECIALTY NEW YORK POLICYHOLDER NOTICE POLICYHOLDERS WITH BUSINESS INTERRUPTION COVERAGE NEW YORK POLICYHOLDER NOTICE POLICYHOLDERS WITH COMMERCIAL PROPERTY COVERAGE (NO BUSINESS INTERRUPTION COVERAGE) WASHINGTON POLICYHOLDER NOTICE POLICYHOLDERS WITH BUSINESS INTERRUPTION COVERAGE WASHINGTON POLICYHOLDER NOTICE POLICYHOLDERS WITH COMMERCIAL PROPERTY COVERAGE (NO BUSINESS INTERRUPTION COVERAGE) RESOURCES The Business Resource Center (BRC) Available to our U.S. policyholders and appointed USLI customers (wholesale/retail agent), the Business Resource Center can offer critical support. This includes a user-friendly guide for COVID-19 Emergency Loans for Small Businesses, employment/HR resources, cyber, payroll and taxes, and a variety of free and discounted services. Visit the special page of COVID-19 resources >> Recorded Webinars If you have any questions about our webinars, please contact USLI Compliance team member Robert Taylor at robert.taylor@usli.com or 888-523-5545, ext. 2216. Other Resources CARES ACT: LOANS FOR SMALL BUSINESSES (U.S. Only) This resource includes information regarding types of loans available to small businesses, eligibility requirements, how to apply for a loan and more from the Coronavirus Aid, Relief and Economic Security (CARES) Act. DOWNLOAD GUIDE COVID-19 FAQs for California Employers by Reed Smith (California Only) Reed Smith has compiled FAQs from business owners with California-based employees as a result of the COVID-19 pandemic, from handling paid sick leave to ensuring employees stay productive while working remotely to maintaining privacy and safety in the workplace. This is not legal advice and not a substitute for speaking with an employment lawyer. DOWNLOAD FAQs USLI Devon Park Specialty