U.S. Specialty Insurance Company: Customer Ratings & Reviews [2025]

U.S. Specialty Insurance Company, a stalwart in the insurance industry for over 40 years, stands as a trusted provider, offering a comprehensive suite of insurance solutions for individuals and businesses alike.

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Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Written by
Schimri Yoyo
Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Reviewed by
Heidi Mertlich

Updated April 2024

U.S. Specialty Insurance Company is a trusted insurance provider that has been serving individuals and businesses for over 40 years. The company offers a range of insurance products, including property insurance, liability insurance, auto insurance, workers’ compensation insurance, and cybersecurity insurance.

Their competitive rates, exceptional customer service, and personalized approach to insurance have earned them high ratings from industry experts and positive reviews from customers. U.S. Specialty Insurance Company offers discounts to help customers save money on their premiums, and their complaint level is low.

While the company’s online presence is limited, their comprehensive coverage options and commitment to customer satisfaction make them a reliable choice for those in need of insurance protection.

What You Should Know About U.S. Specialty Insurance Company

Company Contact Information

Related Parent or Child Companies:

  • U.S. Risk Insurance Group, LLC

Financial Ratings

  • A.M. Best Rating: A- (Excellent)
  • Standard & Poor’s Rating: N/A
  • Moody’s Rating: N/A
  • Fitch Rating: N/A

Customer Service Ratings

  • Better Business Bureau: A+
  • Trustpilot: N/A
  • Consumer Affairs: 4.2/5

Claims Information

Company Apps

  • U.S. Specialty Insurance Company does not have a mobile app available at this time.

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U.S. Specialty Insurance Company Insurance Coverage Options

U.S. Specialty Insurance Company offers a range of insurance coverage options for individuals and businesses. Some of the coverage options available include:

For Individuals

  • Auto insurance: Liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
  • Home insurance: Property damage, liability, personal property, and additional living expenses coverage.
  • Renters insurance: Personal property, liability, and additional living expenses coverage.
  • Umbrella insurance: Additional liability coverage beyond the limits of other insurance policies.
  • Identity theft insurance: Coverage for expenses related to identity theft, such as legal fees and credit monitoring.

For Businesses

  • Property insurance: Coverage for property damage, business interruption, and equipment breakdown.
  • Liability insurance: Protection against claims of bodily injury, property damage, and advertising injury.
  • Workers’ compensation insurance: Coverage for employee injuries or illnesses that occur on the job.
  • Cybersecurity insurance: Coverage for losses related to data breaches, network security failures, and cyber extortion.
  • Professional liability insurance: Coverage for claims of professional negligence or errors and omissions.

U.S. Specialty Insurance Company also offers customizable insurance solutions for businesses that require specialized coverage beyond the standard options listed above.

U.S. Specialty Insurance Company Insurance Rates Breakdown

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Driver ProfileU.S. SpecialtyNational Average
Clean Record$92$119
1+ Ticket$142$147
1+ Accident$179$173
DUI$221$209
Poor Credit$158$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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U.S. Specialty Insurance Company Discounts Available

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DiscountsU.S. Specialty
Anti Theft13%
Good Student10%
Low Mileage17%
Paperless8%
Safe Driver21%
Senior Driver12%

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U.S. Specialty Insurance Company offers a range of discounts to help customers save money on their insurance premiums. Some of the discounts available include:

  • Multi-policy discount: Customers can save money by bundling multiple policies together with U.S. Specialty Insurance Company.
  • Safe driver discount: Customers with a clean driving record may qualify for a discount on their auto insurance premiums.
  • Alarm system discount: Customers with a qualifying alarm system installed in their home or business may be eligible for a discount on their property insurance premiums.
  • Loyalty discount: Customers who have been with U.S. Specialty Insurance Company for a certain number of years may qualify for a loyalty discount on their premiums.
  • Group discount: Customers who are part of a qualifying group, such as a professional organization or alumni association, may be eligible for a group discount on their insurance premiums.

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How U.S. Specialty Insurance Company Ranks Among Providers

U.S. Specialty Insurance Company operates in a competitive market with several other insurance companies offering similar products and services. Some of the company’s main competitors include:

  • Geico: One of the largest insurance companies in the United States, offering a wide range of insurance products including auto, home, and business insurance.
  • State Farm: A leading insurance company that offers a range of insurance products including auto, home, and life insurance.
  • Allstate: One of the largest personal lines insurers in the United States, offering auto, home, and business insurance.
  • Progressive: A major auto insurance provider that also offers home, renters, and business insurance.
  • Travelers: A leading provider of property and casualty insurance for businesses and individuals.
  • Nationwide: A Fortune 100 company that offers a range of insurance products including auto, home, and business insurance.
  • Liberty Mutual: A global insurance company offering a range of insurance products including auto, home, and business insurance.

These companies are all major players in the insurance industry and offer a range of products and services that compete with U.S. Specialty Insurance Company.

Read more: United Specialty Insurance Company Review

Frequently Asked Questions

What types of insurance does U.S. Specialty Insurance Company offer?

U.S. Specialty Insurance Company offers property insurance, liability insurance, auto insurance, workers’ compensation insurance, and cybersecurity insurance.

Where is U.S. Specialty Insurance Company headquartered?

U.S. Specialty Insurance Company is headquartered in Dallas, Texas.

What discounts does U.S. Specialty Insurance Company offer?

U.S. Specialty Insurance Company offers a variety of discounts, including multi-policy discounts, safe driving discounts, and protective devices discounts.

Does U.S. Specialty Insurance Company have a mobile app?

Currently, U.S. Specialty Insurance Company does not have a mobile app available.

How does U.S. Specialty Insurance Company rank among other insurance providers?

U.S. Specialty Insurance Company operates in a competitive market, earning trust through competitive rates, exceptional customer service, and a commitment to customer satisfaction, making it a reliable choice for insurance protection.

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