Reinsurance

Reinsurance for long-term business planning solutions

Looking for a provider of risk-bearing capacity for reinsurance and alternative distribution markets? Look to UFG reinsurance.

Interested in doing business with us? Reach out anytime at reinsurancesubmission@unitedfiregroup.com.

Providing insurance for the insurance industry may be the simplest way to understand reinsurance. But here at UFG, we aspire to partner with cedents, brokers and managing general agents (MGAs) in more profound ways to create long-term business planning solutions.

Through trustworthy reinsurance, a broad range of alternative distribution channels, and exceptional service provided by exceptional people, we combine experienced underwriting expertise with a collaborative philosophy that our partners value.

When a reinsurance broker or MGA chooses UFG for cedent needs, they’re choosing:

Durable strategic alignment from a responsive partner.
Active dialogue and open communication for mutually beneficial outcomes.
Capacity priced for meaningful transfer of risk.
Sustainable returns across the market cycle.
Significant line participation.
A company backed by a financial strength rating of “A-” (Excellent), with stable outlook, reflecting long-term balance sheet strength from AM Best.

About us

Our balance sheet supports a variety of property and casualty insurance risks via:

Treaty reinsurance.
Funds at Lloyd’s investments.
Delegated underwriting programs.

We seek out active underwriters with strong track records in global casualty and specialty markets, avoiding significant property catastrophe exposures where possible in North America. Meet our team.

Channels and appetite

Standard treaty

Proportional and excess protection for traditional multi-line, property per risk, casualty excess and catastrophe excess of loss largely focused on regional P&C carriers. UFG covers both commercial and personal lines, including auto, general liability, workers compensation, umbrella, excess liability and medical professional.

Financial lines treaty

Reinsurance protection for government-sponsored enterprises (GSE), mortgage insurers, sureties and credit insurance risks. 

Managing general agent (MGA) treaty

Reinsurance protection for program business underwritten by MGAs with strong, risk-retaining issuing carriers.

Retrocessional treaty

Proportional and excess protection focused on regional P&C carriers covering both commercial and personal lines for property, casualty and specialty reinsurance risks.

Reinsurance intermediary management agreements (RIMA)

Reinsurance protection underwritten on behalf of UFG by Waypoint Underwriting Management for workers compensation treaty and for accident and health treaty, and by Topsail Re for commercial casualty quota share treaty risks.

Funds at Lloyd’s (FAL) investments

Capital commitments supporting property, casualty and specialty underwriting select syndicates at Lloyd’s.

Delegated underwriting authority (DUA) programs

Admitted and non-admitted paper for insurance programs with select MGAs.

Appetite

UFG is a whole-account reinsurer with a modest appetite for property catastrophe risk, offering reinsurance lines across the entire program, which provides reliable risk capacity through the business cycle.

We support mature programs on an excess of loss and proportional basis with entail minimum premium requirements.

Per risk/per occurrence limits range: $3 million per program.

Geographic footprint

UFG’s reinsurance profile is focused on North American business, however, also encompasses business that spans the globe.

Financials

Curious about our financial data? View UFG financial highlights, annual reports and quarterly results.

Conferences

Your reinsurance partners from UFG will be attending these conferences. If you’ll be there too, stop by and talk with us about the risks crossing your desk. Conversations are a key part of our mutual success.