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United Fire Group UFCS Professional Liability DUA Excess of Loss — Exhaustion Point

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$1.09B-5.3%
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$2.26B+3.2%
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ARDTProfessional Liability Insurance — Insurance liability, per occurrence
$100M0.0%
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HIGProfessional liability — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
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WRBMonoline excess — Total due from reinsurers on unpaid claims
$41.13M+14.1%
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WRBProfessional liability — Short-Duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net
$2.26B+6.1%

Other financials

Income statement

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Revenue$369.4M+11.6%
Net income$30.1M+69.8%
EPS (diluted)$1.15+71.6%

Balance sheet

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Cash & equivalents$162.0M-11.8%
Total debt$146.3M
Total equity$950.6M+16.3%
Total assets$3.9B+10.8%

Cash flow

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Operating cash flow$56.6M+58.7%
CapEx$384.0K-84.6%
Free cash flow$56.2M+69.5%

Valuation

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Market cap$1.29B+76.8%
Enterprise value$1.27B
P/E9.9×-1.1×
P/S0.9×+0.3×

Profitability

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Net margin9.2%+4.0pp
FCF margin20.1%-5.4pp

Returns & leverage

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Return on equity14.8%+6.3pp
Debt / equity0.2×

Where this comes from

Reported directly by United Fire Group in its filing.

Tagged under the XBRL concept ufcs:ReinsuranceMaximumInsuranceCoveragePerIncident.

The official record: United Fire Group’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Fire Group's professional liability DUA excess of loss — exhaustion point?
United Fire Group (UFCS) reported professional liability DUA excess of loss — exhaustion point of $750 in Q4 2025.
What does professional liability DUA excess of loss — exhaustion point mean?
This metric defines the maximum aggregate loss threshold at which the excess of loss reinsurance coverage for the professional liability segment is fully utilized. It marks the upper boundary of the reinsurer's liability for a given layer of coverage. Investors use this to understand the total exposure the company retains above the reinsurance program's capacity.