Our History
USIG targets property and casualty insurance for small and medium businesses 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. We also offer an E&S product for those accounts that may qualify for our admitted market product after a few years of successful operation. We work exclusively with our appointed wholesale General Agents that demonstrate a commitment to professional underwriting practices and have multi-decade relationships with our underwriting teams. USIG incorporates a state-of-the-art risk acceptance process, employing expert underwriting rules, advanced analytics, machine learning, and external data sources to supplement standard risk information. USIG and its insurance entities (Universal Fire & Casualty Insurance Company “UFCIC” and Shield Indemnity Incorporated “Shield”) maintain an AM Best Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a-“. UFCIC also maintains a Demotech Financial Stability rating of A (Exceptional) and is Treasury Listed for surety bonds up to $5.9M.
USIG also underwrites the Surety line of business through our admitted company, providing bonds for the Commercial, Contract and Specialty Surety markets. Through our proprietary, cutting-edge portal Bondramp.com, we provide agents at all levels access to a large library of competitively priced commercial and transactional bonds, immediately delivering many bonds upon the Principal’s payment. Conveniently, BondRamp.com and is available 24x7x365 and accessible by computer, tablet, or mobile device.
We have corporate offices in Waterford and Grandville, Michigan as well as Dublin, Ohio.
