United Fire Group UFCS Business Segments
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Stated Retention by Product | |||||
| Casualty Excess of Loss | $3K0.0% | $3K0.0% | $3K0.0% | $3K-99.9% | |
| Earthquake DUA Catastrophe Excess of Loss | $10K0.0% | $10K— | —— | —— | |
| Pillar Occurrence Excess of Loss | $5K0.0% | $5K-16.7% | $6K+20.0% | $5K— | |
| Professional Liability DUA Excess of Loss | $500— | —— | —— | —— | |
| Property Catastrophe Excess of Loss | $20K0.0% | $20K0.0% | $20K+33.3% | $15K-99.9% | |
| Property Excess of Loss | $3K0.0% | $3K0.0% | $3K0.0% | $3K-99.9% | |
| Property Semi-automatic Quota Share | $50K+100% | $25K— | —— | —— | |
| Surety Excess of Loss | $5K0.0% | $5K+150% | $2K+33.3% | $1.5K-99.9% | |
| Exhaustion Point by Product | |||||
| Boiler and Machinery Quota Share | $100K0.0% | $100K0.0% | $100K0.0% | $100K— | |
| Casualty Excess of Loss | $60K0.0% | $60K0.0% | $60K0.0% | $60K-99.9% | |
| Cyber Quota Share | $1K0.0% | $1K0.0% | $1K0.0% | $1K— | |
| Earthquake DUA Catastrophe Excess of Loss | $140K-17.6% | $170K— | —— | —— | |
| Pillar Occurrence Excess of Loss | $15K0.0% | $15K-6.3% | $16K+6.7% | $15K— | |
| Professional Liability DUA Excess of Loss | $3K— | —— | —— | —— | |
| Professional Liability DUA Quota Share | $5K0.0% | $5K0.0% | $5K0.0% | $5K— | |
| Property Catastrophe Excess of Loss | $130K0.0% | $130K-35.0% | $200K+11.1% | $180K-99.9% | |
| Property Excess of Loss | $50K+100% | $25K0.0% | $25K0.0% | $25K-99.9% | |
| Property Semi-automatic Quota Share | $75K+50.0% | $50K— | —— | —— | |
| Specialty Casualty Quota Share | $5K— | —— | —— | —— | |
| Specialty Property Quota Share | $5K— | —— | —— | —— | |
| Surety Excess of Loss | $50K0.0% | $50K0.0% | $50K+11.1% | $45K-99.9% | |
| Placement and Limit by Product | |||||
| Boiler and Machinery Quota Share | $100K0.0% | $100K0.0% | $100K0.0% | $100K— | |
| Casualty Excess of Loss | $57K0.0% | $57K0.0% | $57K0.0% | $57K-99.9% | |
| Cyber Quota Share | $1K0.0% | $1K0.0% | $1K0.0% | $1K— | |
| Earthquake DUA Catastrophe Excess of Loss | $130K-18.8% | $160K— | —— | —— | |
| Pillar Occurrence Excess of Loss | $10K0.0% | $10K0.0% | $10K0.0% | $10K— | |
| Professional Liability DUA Excess of Loss | $2.5K— | —— | —— | —— | |
| Professional Liability DUA Quota Share | $5K0.0% | $5K0.0% | $5K0.0% | $5K— | |
| Property Catastrophe Excess of Loss | $110K0.0% | $110K-32.6% | $163.15K+0.7% | $162.08K-99.9% | |
| Property Excess of Loss | $47K+114% | $22K0.0% | $22K0.0% | $22K-99.9% | |
| Property Semi-automatic Quota Share | $25K0.0% | $25K— | —— | —— | |
| Specialty Casualty Quota Share | $5K— | —— | —— | —— | |
| Specialty Property Quota Share | $5K— | —— | —— | —— | |
| Surety Excess of Loss | $45K0.0% | $45K-6.3% | $48K+10.3% | $43.5K-99.9% | |
| Placement by Product | |||||
| Boiler and Machinery Quota Share | 100%0.0pp | 100%0.0pp | 100%0.0pp | 100%— | |
| Casualty Excess of Loss | 100%0.0pp | 100%0.0pp | 100%0.0pp | 100%0.0pp | |
| Cyber Quota Share | 100%0.0pp | 100%0.0pp | 100%0.0pp | 100%— | |
| Earthquake DUA Catastrophe Excess of Loss | 100%0.0pp | 100%— | —— | —— | |
| Pillar Occurrence Excess of Loss | 50%+8.0pp | 42%-48.0pp | 90%+23.5pp | 66.5%— | |
| Professional Liability DUA Excess of Loss | 32%— | —— | —— | —— | |
| Professional Liability DUA Quota Share | 24%-31.0pp | 55%-15.0pp | 70%0.0pp | 70%— | |
| Property Catastrophe Excess of Loss | 100%0.0pp | 100%0.0pp | 100%0.0pp | 100%0.0pp | |
| Property Excess of Loss | 100%0.0pp | 100%0.0pp | 100%0.0pp | 100%0.0pp | |
| Property Semi-automatic Quota Share | 100%0.0pp | 100%— | —— | —— | |
| Specialty Casualty Quota Share | 75%— | —— | —— | —— | |
| Specialty Property Quota Share | 100%— | —— | —— | —— | |
| Surety Excess of Loss | 100%0.0pp | 100%0.0pp | 100%0.0pp | 100%0.0pp | |
| Percent of Total by Geography | |||||
| Southern Atlantic | 45.7%— | —— | 38%— | —— | |
| Mortgage loans (net of allowance for credit loss of $286 and $286) by Geography | |||||
| East North Central | $12.73M-1.6% | $12.94M-0.3% | $12.98M0.0% | $12.98M— | |
| East South Central | $28.33M-3.8% | $29.44M-3.5% | $30.49M-3.2% | $31.5M— | |
| Middle Atlantic | $8.19M-2.3% | $8.38M-65.3% | $24.16M-51.8% | $50.14M— | |
| Mountain | $7.97M0.0% | $7.97M0.0% | $7.97M-8.1% | $8.67M— | |
| Southern Atlantic | $64.96M-5.0% | $68.38M+11.8% | $61.15M+61.5% | $37.86M— | |
| West North Central | $11.1M-2.2% | $11.35M-2.0% | $11.58M+3.5% | $11.19M— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does United Fire Group break its business down?
- United Fire Group (UFCS) reports liabilities for unpaid losses and loss settlement expenses, net of reinsurance by product across 6 parts — All other lines, Commercial automobile, Commercial fire and allied, Commercial other liability and Commercial workers' compensation. Each is extracted from the segment footnotes and tracked over time.
- Where does United Fire Group's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in United Fire Group's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.
