UAIG
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official Florida commercial auto/program reference content is published on UAIG’s Florida programs breakdown page. For Commercial Auto (UCD), UAIG shows 6- and 12-month terms. Corporate/business-owned vehicles are eligible when the vehicle is registered to the business name listed on the application, and proof of commercial use is required. Program notes indicate no more than five vehicles may be written on one policy, and UAIG allows one more vehicle than driver. Increased 100/300/50 liability limits are allowed only when the insured has a Florida driver’s license. International/foreign licenses and passports are acceptable for Commercial Auto, but an unexpired passport copy is required when a passport is used; out-of-state driver’s licenses require a copy of the license or an MVR within 30 days of the effective date. Driver exclusions are allowed. Standard SR-22 filing is shown as available, and non-cancelable PIP/PDL SR-22 filings must be written for 6 months and paid in full. Reinstatements are permitted only for certain non-pay cancellations; SR-22 policies are not eligible for reinstatement. Risks with prior PIP activity are restricted: one household PIP claim is acceptable within 35 months prior to the effective date for Commercial Auto, while two or more are unacceptable. Physical damage placement has documentation requirements: vehicle photos are required when comprehensive/collision is written, although a bill of sale is accepted instead for vehicles 5 years old or newer purchased from a dealer within the last 48 hours. The guide also shows ACV up to $65,000. Explicitly unacceptable business uses include Uber, Lyft, ride sharing, transportation network company activity, and car-rental/car-sharing services such as Turo, Getaround, and Zipcar. Geographic note: UAIG’s commercial auto product is indicated as available in Florida only, and Florida agent-facing pages state the product is sold exclusively through independent agents with a local Miami underwriting/claims office. Producer/broker notes: UAIG promotes direct bill with flexible payment plans, web-based point-of-sale for new business/renewals/endorsements, and online document reprint capability. For underwriting questions, the Florida program reference directs agents to use policy inquiry and the “Click Here to Send E-mail to Customer Service” function; Florida contact pages also list the underwriting department at 305-940-5022. No separate standalone commercial auto appetite bulletin or producer submission checklist was verified beyond these official Florida program and agent pages.