United Fire & Casualty Company Review (2026)
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated November 2025
United Fire & Casualty Company, now called UFG Insurance, provides commercial insurance for businesses throughout the United States.
UFG used to offer personal insurance, such as auto, home, and other personal insurance lines, but stopped selling these products several years ago. Now, the company focuses only on business insurance.
Backed by a solid history and strong financial stability, it offers businesses peace of mind. The article delves into the company’s robust customer service, efficient claims process, and convenient insurance options.
Whether you’re safeguarding your assets or insuring your business, UFG insurance is a reliable choice with a compelling track record, earning it a low complaint rate and positive customer reviews.
United Fire & Casualty Company Insurance Products
UFG no longer sells auto, home, renters, or other personal lines. Their focus is on business, surety bonds, and specialty risks.
Business Insurance Products
Here are the business insurance options that United Fire & Casualty Company offers:
- Commercial Liability: Covers bodily injury, property damage claims, legal defense costs, and other liability exposures.
Commercial Property: Protects buildings, equipment, tools, inventory, and other business assets from fire, theft, wind, etc. - Businessowners Policy (BOP): Combines property and liability coverage in one policy, for small to midsize businesses.
- Workers’ Compensation: Covers medical expenses and lost wages for employees injured on the job.
- Inland Marine: Covers equipment, tools, and mobile property used off-site or in transit.
- Cyber: Covers against data breaches, ransomware, cyberattacks, privacy violations, and other digital risks.
Surety Bonds
- Commercial Surety Bonds: Often required for businesses to operate legally or keep professional licensing (license and permit bonds, public official bonds, probate bonds/fiduciary bonds, court bonds/judicial bonds, etc.)
- Contract Surety Bonds: Ensure contractors fulfill their contractual obligations on construction or service projects (bid bond, payment bond, performance bond, and maintenance bond)
Excess and Surplus Products
- Casualty: Excess general liability, excess auto liability, excess employer’s liability, and limited excess professional coverages.
- Property: Monoline property, excess property, builders’ risk, and excess builders’ risk.
Reinsurance
- Property and casualty treaty
- Retrocessional treaty
- Managing general agent (MGA) treaty
- Financial lines treaty
- International treaty
- Reinsurance intermediary management agreements (RIMA)
- Funds at Lloyd’s (FAL) investments
- Delegated underwriting authority (DUA) programs
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Industries UFG Insurance Serves
Below you can find some of the key industries UFG Insurance serves:
Construction
- Carpentry, concrete, drywall, masonry, roofing
- Plumbing, heating & air conditioning (HVAC)
- Excavating, grading, water & sewer, drilling
Manufacturing
- Metal manufacturing, appliance manufacturing, plastics manufacturing
- Component part manufacturing, machinery & equipment manufacturing
- Breweries, glass & glassware production, lighting manufacturing
Real Estate
- Commercial buildings (nonresidential)
- Real estate operators/managers
- Real estate investment trusts
Architects & Engineers
- Architectural and engineering firms
- Surveying services
- Other design professionals
Equipment Dealers & Distributors
- Construction and industrial equipment
- Heavy machinery
- Similar operations
Wholesale
- Professional/commercial equipment
- Motor vehicle supplies and parts
- Electrical goods
- Hardware/plumbing/heating equipment
- Industrial supplies
- Refrigeration equipment & supplies
- Metals service centers
United Fire & Casualty Company Claims Process
United Fire & Casualty Company offers a streamlined claims process tailored to its customers’ preferences. This means customers can choose how to file a claim.
They can file a claim online using the company’s user-friendly claim form, over the phone with a knowledgeable representative, or by contacting their agent. This flexibility ensures that they can select the method that best suits their needs and comfort level, making the claims process more accessible and convenient.
UFG Insurance offers competitive claim processing times, ensuring customers receive the financial assistance they need when they need it most. The company’s dedication to timely processing contributes to its reputation for reliability and customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
The ultimate test of an insurance company’s claims process is customer satisfaction. United Fire & Casualty Company values customer feedback and strives to deliver fair and satisfactory claim resolutions and payouts.
The company’s commitment to transparency and fairness in claim settlements has earned it positive reviews and feedback from policyholders. Customer satisfaction with the claims process is a testament to the company’s dedication to providing quality service during challenging times.
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United Fire & Casualty Company Technological Features
Online Account Management
For those who prefer to manage their insurance policies online, United Fire & Casualty Company offers a robust online account management platform.
Policyholders can log in to their accounts securely to view policy details, make payments, update personal information, and more. This digital platform empowers customers to gain greater control over their insurance affairs and simplifies policy management.
Digital Tools and Resources
United Fire & Casualty Company offers a range of digital tools and resources to help policyholders make informed decisions about their insurance coverage.
These resources may include educational articles, calculators, and informative videos, all accessible through the company’s website. These digital assets aim to provide policyholders with the knowledge they need to make informed insurance choices for their unique needs.
Frequently Asked Questions
What types of insurance does United Fire & Casualty Company offer?
United Fire & Casualty Company offers a range of insurance products, including business insurance, surety bonds, excess & surplus products, and reinsurance.
How does United Fire & Casualty Company differentiate itself in the insurance industry?
United Fire & Casualty Company distinguishes itself through deep underwriting expertise, a commitment to customer satisfaction, and a history of financial stability, making it a reliable choice for many businesses.
What is the claims process like with United Fire & Casualty Company?
The company offers a streamlined claims process, allowing policyholders to file claims online, by phone, or with an agent. With a commitment to prompt service, they aim to ensure timely and efficient claim resolutions.
What digital features does United Fire & Casualty Company provide for policyholders?
United Fire & Casualty Company allows customers to manage their accounts online and access educational tools and resources on the company’s website to support informed decision-making.
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