UNITED FIRE GROUP INC

United Fire Group, Inc. (Nasdaq: UFGINSURANCE) operates as a property and casualty insurance company founded in 1946 and headquartered in Cedar Rapids, Iowa. The company's website is www.ufginsurance.com.

United Fire Group provides property and casualty insurance products through a network of approximately 850 independent property and casualty agencies, along with approximately 160 surety agencies. The company's insurance subsidiaries are licensed to operate in all 50 states and the District of Columbia. The organization operates through a single reportable segment focused on commercial lines of property and casualty insurance.

The company's primary commercial products include tailored business packages covering fire and allied lines, other liability, automobile, workers' compensation, and surety bonds. These products serve small business owners and middle market businesses across industries including construction, services, retail trade, financial services, and manufacturing. United Fire Group also partners with managing general agents to offer delegated underwriting programs providing niche products such as marine specialty, professional liability, and earthquake coverages. The company provides specialty and surplus lines coverage through wholesale brokers on both admitted and non-admitted bases.

Through its McIntyre Cedar Corporate Member subsidiary, United Fire Group maintains membership in Lloyd's of London, participating in multiple syndicates covering various property and casualty insurance and reinsurance lines. The company also offers traditional treaty reinsurance coverage supporting primarily commercial lines of business while assuming risk in professional, financial, and personal lines.

All property and casualty insurance subsidiaries participate in an intercompany reinsurance pooling arrangement, allowing the participating companies to leverage the entire pool's capital and surplus rather than limiting exposure to individual company surplus levels.

As of February 2026, the company employed 846 people. United Fire Group maintains an A- financial strength rating from A.M. Best Company, Inc., reflecting an excellent ability to meet ongoing obligations to policyholders. The company's competitive advantages center on strong agency relationships, exceptional service with real person accessibility, fair and prompt claims handling, specialized underwriting expertise, superior loss control services, and effective use of technology to reinforce rather than replace personal relationships.