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Instant Insurance Quotes

Shelly, Middlebrooks & O'Leary now offers Instant Online or Phone Quotes for over 50 Commercial and Personal Products. Call us toll free at (855) 734-5541 for an instant quote. Underwriters are available 7:00 AM - 8:00 PM EST M-F and 9:00 AM - 1:00 PM EST Saturdays. With just a few questions, we can provide you with an instant quote for:

Commercial Lines Products

  • 1-4 Family Dwellings (liability only)
  • Apartments (liability only)
  • Artisan (30 classes)
  • Beauty/Nail Salon/Barber Shops
  • Builder's Risk
  • Clothing Stores
  • Commercial Excess/Umbrella
  • Concessionaires/Vendors
  • Convenience Stores/Deli/Grocery*
  • Electronic Stores
  • Fitness Centers
  • Janitorial Services
  • Land Leased to Others
  • Laundromats
  • Lawn Care
  • Lessor's Risk Only
  • Liquor Stores*
  • Main Street Mercantile
  • Mobile Home Parks
  • Office Product
  • Pet Care
  • Residential Condominium Unit Owners
  • Restaurants*
  • Specialty Training Schools
  • Truckers General Liability
  • Vacant Building
  • Vacant Land

Personal Lines

  • Comprehensive Personal Liability
  • Excess Personal Personal Liability
  • Excess Personal Umbrella Liability
  • Home Based Business
  • Personal Umbrella

Professional Lines

  • Community Association Professional Liability
  • Cyber Liability
  • Employment Practices Liability
  • Specified Professions Errors and Ommissions 
  • Medical Providers Employment Practices 
  • Non-Profit Directors & Officers Liability
  • Real Estate Errors & Ommissions

Non-Profit Products

  • Arts and Culture
  • Community Associations 
  • Speciality Non Profit
  • Houses of Worship
  • Youth Sports

Hospitality & Liquor

  • Liquor Liability 
  • Special Events (General/Liquor Liability)
  • The Long Shot (Hole in One Coverage)
  • Wedding Plus

Binding Coverage

Send a written request to bind coverage to our office:

The following documents are required with your written request to bind coverage:

  • Completed, signed & dated application
  • Copy of quote with limits and any optional coverage’s selected
  • Signed Terrorism Form (for Commercial Products only)

For terms provided on a non-admitted basis:

  • Surplus Lines Disclosure & Acknowledgement or
  • Statement of Diligent Effort

Payment Terms

  • Direct Bill: USLI will invoice the insured directly based on the payment plan you choose. DO NOT send SMO payment for any policies that are requested bound as direct bill. Indicate this option by checking “Direct Bill” on page 1 of the quote.
  • Agency Bill: Payment required 10 days from inception date of coverage.

An active brokerage agreement with Shelly, Middlebrooks & O'Leary is required in order to request coverage bound. If your agency does not currently have an active agreement in place, the brokerage questionnaire and other required documents can be completed online via our Agent Portal.

All Instant Quotes expire 60 days from the issue date and should be reconfirmed after that time. This proposal is based on the underwriting and rating information provided by you. The coverage and terms being offered may not be the same or as broad as requested. Please review these terms carefully and advise our office if you have any questions.

Let Us Be a Leader For You!

Our team is a phone call or email away. Get in touch with us today.