Universal Fire & Casualty Insurance Company (UFCIC) currently underwrites commercial property (monoline), general liability (monoline), garage & auto dealers, business owner’s policy (AAIS BOP), commercial package policy (CPP — property and liability combined), inland marine coverages, and a broad range of commercial surety bond products.

Property & Casualty Products

Generally, we target those risks that are managed in such a way that they deserve to qualify for, and enjoy, the additional advantages in security and coverage offered by an admitted product. As an admitted insurer, the majority of UFCIC’s business will be “graduating” from the Excess & Surplus (E&S) market. By providing a competitive product to the E&S market but with a superior coverage form in the admitted marketplace, UFCIC must have a higher standard of acceptance. UFCIC’s target is that overlooked small well managed business that is stable, has consistent operations, has proven concern with risk management, a demonstrated ability to finance and maintain its operations, and has management and ownership with experience and quality of character.

Surety Bond Products

UFCIC rates, quotes, and issues surety bond products via producers through our Bond Ramp portal. Bond Ramp provides agents with 24x7x365 access to a massive library of bond types and bonds. As customers navigate the efficiently designed screens on their computer, tablet, or mobile device, the system will screen customers based on three pillars of surety underwriting (Character, Capital, and Capacity). We seek customers that have a demonstrated record of satisfying their business obligations, possess capital appropriate for their commitments, and have the business capacity and acumen to manage business challenges to satisfactory outcomes.