United Fire & Casualty Insurance Review & Ratings (2025)

United Fire & Casualty Insurance (UFG Insurance) emerges as a trusted commercial insurer offering a broad portfolio of business insurance products for small to mid-sized businesses.

While UFG previously offered personal lines, they discontinued auto, home, renters, and other personal insurance several years ago. Today, their focus is solely on commercial and specialty insurance products, including property, liability, workers’ compensation, surety bonds, cyber, and more.

The positive ratings in overall satisfaction, claims handling, cost, billing, and service underscore their commitment to customer satisfaction, making them a compelling option for those prioritizing a seamless insurance experience.

Furthermore, United Fire & Casualty Insurance’s dedication to technological advancements, as evidenced by its user-friendly online account portal and digital tools, adds a layer of convenience for customers.

Choosing United Fire & Casualty Insurance means not only protecting what matters most but also enjoying a customer-centric approach that prioritizes satisfaction and accessibility.

What You Should Know About United Fire & Casualty Insurance

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United Fire & Casualty Insurance Options

UFG’s commercial insurance portfolio includes a wide range of products designed for business owners across many industries.

Business Insurance Products

To support businesses across many industries, UFG Insurance delivers these core commercial coverages.

• Commercial Property: Protects buildings, equipment, inventory, business income, and physical assets from fire, theft, storms, and other covered losses.
• Commercial Liability: Covers third-party injuries, property damage claims, legal defense, and settlements.
• Workers’ Compensation: Provides wage replacement and medical benefits for employees injured on the job.
• Businessowners Policy (BOP): A bundled package combining property and liability for small to medium-sized businesses.
• Cyber Insurance: Protects businesses from data breaches, ransomware attacks, phishing, and other cyber incidents.
• Inland Marine: Covers goods in transit, contractor equipment, tools, and maritime exposures.

Surety Bonds

UFG is also known for strong underwriting expertise in surety bonds.

• Commercial Surety Bonds: License & permit bonds, court bonds, public official bonds, probate bonds, etc.
• Contract Surety Bonds: Bid bonds, performance bonds, payment bonds, and maintenance bonds.

Excess and Surplus Products

UFG offers excess and surplus lines coverage for hard-to-place risks and nonstandard coverage needs.

• 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

UFG also offers reinsurance to help other insurance providers manage risk, stabilize loss ratios, and increase underwriting capacity.

• 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

United Fire & Casualty Insurance Claims Management

United Fire & Casualty Insurance understands the importance of a hassle-free claims process. They offer multiple convenient avenues for filing a claim, allowing customers to choose the method that best suits them.

Whether you prefer the ease of online submissions, the personal touch of speaking over the phone, or the accessibility of an in-person agent, United Fire & Casualty has you covered.

In times of need, timely claims processing is crucial. United Fire & Casualty Insurance strives to expedite claim processing to minimize stress and inconvenience for its customers. While specific processing times can vary depending on the nature of the claim, the company is committed to delivering efficient service to help you get back on your feet as quickly as possible.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is a top priority for United Fire & Casualty Insurance, and this extends to their claims resolution process. They value customer feedback and work diligently to ensure fair and prompt claim resolution. By listening to customer experiences and continuously improving its claims handling, United Fire & Casualty aims to provide a reliable and customer-centric claims service.

United Fire & Casualty Insurance Technological Features

Online Account Management

Managing your insurance policies is made easy with United Fire & Casualty’s online account management capabilities. Their online platform enables you to review policy details, make payments, and update your information conveniently. This digital tool ensures that you have quick access to your policy information whenever you need it.

Digital Tools and Resources

In addition to their online account management, United Fire & Casualty Insurance offers a suite of digital tools and resources to assist policyholders. These resources may include educational materials, calculators, and guides to help you make informed decisions about your insurance coverage.

They are committed to providing you with the digital support you need to navigate the insurance world effectively.

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UFG Insurance Customer Feedback

United Fire & Casualty Insurance places a strong emphasis on customer satisfaction, as evidenced by positive feedback across various dimensions. Customers consistently express contentment with the company’s overall service, from the ease of filing claims to the efficiency of the claims resolution process.

The high ratings in areas such as cost, billing, and service underscore the company’s commitment to meeting the diverse needs of policyholders and ensuring a positive, hassle-free experience.

In addition to the favorable ratings, customers appreciate United Fire & Casualty Insurance’s responsiveness and dedication to continuous improvement. The company actively seeks and values feedback on claim resolutions and payouts, demonstrating a commitment to refining its processes based on customer experiences.

This customer-centric approach not only fosters trust but also positions United Fire & Casualty Insurance as an insurer that prioritizes transparency, accountability, and policyholder satisfaction.

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