United Fire Group
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
UFG’s currently published underwriting guidance is centered on clear appetite tools for small business plus a separate at-a-glance guide for construction and middle market. Commercial products are distributed through independent agents/brokers, with commercial insurance offered in 32 states; excess and surplus lines and surety are offered in all 50 states plus D.C. The verified appetite page is primarily a small business/BOP-facing producer resource. Preferred small business classes shown include retailers (such as appliance, auto parts, bicycle, book, candy, florist, hardware, hobby/crafts, home furnishings, sporting goods), distributors (appliances, auto parts, baked goods, floor coverings, flowers, hardware/tools, janitorial supplies, plumbing supplies/fixtures), services (bakeries, barber shops, beauty salons, copy/print stores, funeral homes, mailbox/packaging, photographers), offices/professional risks (accountants, advertising agents, attorneys, interior decorators, real estate agents, veterinarians), contractors (electricians, fence construction, floor covering, glass dealers/installers, HVAC, lawn care/sprinklers, painters, plumbers), limited-cooking restaurants (coffee shops, delis/sub shops, diners, family style, fine dining, pizza shops), and real estate/LRO risks including office buildings, single-tenant retail/service LRO, and strip malls. Published small-business capacity notes in the current at-a-glance guide include contractors up to $1M payroll and $6M sales, garage and LROs up to $5M annual sales per location, restaurants up to $6M annual sales per location, all other small business up to $10M annual sales per location, contractors up to $3M TIV per location, other risks up to $7M TIV per location, and building age generally within the last 35 years, with older buildings potentially considered if updated within the last 15–20 years. For construction and middle market, UFG’s published target classes include commercial carpentry/interior finish, concrete flatwork, drywall/plaster/insulation, electrical, excavating/grading, commercial general contractors for buildings/industrial/warehousing, masonry, interior painting, plumbing/HVAC, commercial roofing, terrazzo/tile/marble, water/sewer, and water well drilling; target middle market industry segments also include manufacturing, nonresidential real estate, real estate operators/managers, REITs, wholesale durable goods, and selected professional/services classes. A notable restriction expressly published in the middle-market guide is that UFG does not currently offer professional coverage. Geographic notes are limited in the public materials: commercial business is written in 32 states, availability varies by state, and some coverages/programs may not be available in all states. Submission/producer guidance: small business appetite resources are designed to identify classes likely to move through online quoting with straight-through processing when class code/coverage criteria are met; small business questions are directed to smallbusiness@unitedfiregroup.com. UFG also publishes a middle-market submission contact at doingbusiness@unitedfiregroup.com. For specialty/wholesale business, UFG’s published producer material directs submissions to wholesale@unitedfiregroup.com. Broker/producer notes: UFG emphasizes independent-agent distribution, appointed-agent relationships, online quoting tools, appetite guides, and UFG Marketing Solutions resources; the public appetite page states the interactive producer appetite is agent-only. No verified public page was found with a comprehensive declined-classes list, so restrictions beyond the stated appetite focus and the professional-coverage limitation should be confirmed with the applicable underwriter.