United Fire Group UFCS Property Catastrophe Excess of Loss — Stated Retention

Similar metrics at other companies

PRCHReinsurance Property Catastrophe Treaties — Excess amount retained

$365M-11.0%

PRCHReinsurance Property Catastrophe Treaties — Amount retained

$35M+40.0%

MECReinsurance Policy Retention To Limit Aggregate Expense

$4.61M+11.6%

ATOSelf-insured retention

$250K0.0%

CVCOCatastrophic Losses Recoverable Per Occurrence Greater Than Amount

$4M0.0%

ACGLProperty catastrophe — Unpaid losses and loss adjustment expenses recoverable

$911M+16.3%

Questions, answered.

What is United Fire Group's property catastrophe excess of loss — stated retention?

United Fire Group (UFCS) reported property catastrophe excess of loss — stated retention of $5K in Q4 2025.

How has United Fire Group's property catastrophe excess of loss — stated retention changed year-over-year?

United Fire Group's property catastrophe excess of loss — stated retention decreased by 0.0% year-over-year, from $5K to $5K.

What is the long-term trend for United Fire Group's property catastrophe excess of loss — stated retention?

Over 4 years (2021 to 2025), United Fire Group's property catastrophe excess of loss — stated retention has grown at a -82.2% compound annual growth rate (CAGR), from $20M to $20K.

What does property catastrophe excess of loss — stated retention mean?

This represents the specific dollar amount of loss that the insurer must retain and pay out of its own capital before its reinsurance coverage begins to apply for property catastrophe events. It serves as a primary indicator of the company's risk appetite and self-insurance exposure for major catastrophic losses. A higher retention level typically reduces reinsurance premiums but increases the potential impact of individual catastrophe events on the company's earnings.