United Insurance Management - UPC
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
UPC (United Property & Casualty Insurance Company), managed by United Insurance Management (UIM), placed its remaining personal lines business into run‑off and was subsequently ordered into receivership; active, forward‑looking underwriting appetite guidance for new business is no longer published as the company is not writing new standard personal lines policies. Public filings and partner/broker materials reference underwriting guidelines only in historical or state‑manual form and not as a current appetite guide. For operational purposes, treat UPC as closed to new business and expect non‑renewal or assumption/transfer activity rather than active growth. Preferred / target business: - No current preferred new‑business targets are indicated; historical materials focused on admitted homeowners and dwelling fire coverage in coastal and catastrophe‑exposed states, written via independent agents under fairly detailed occupancy and condition requirements. Given the receivership/run‑off status, these historical target classes should not be treated as an active appetite. Restricted or declined classes (historical technical guidance – useful only for legacy file reviews): - NY producer guideline packet for UPC shows highly restrictive rules for dwellings, including: no vacant or unoccupied dwellings (except certain seasonal/secondary homes with minimum occupancy and inspection requirements), no homes in foreclosure or with foreclosure pending, no unoccupied homes for sale, and strong residency/occupancy tests (owner or qualifying grantor/trustee must occupy; roomers/boarders, student housing, and dwellings modified into multi‑unit style occupancies were ineligible). Rental use was prohibited on standard HO‑3/HO‑5, with limited rental/home‑sharing allowed on HO‑6. These details may still be relevant for handling legacy policies or claim/coverage questions but should not be interpreted as current appetite for new placements. Geographic notes: - Historically, UPC concentrated in catastrophe‑exposed coastal states and had significant homeowners concentration in Florida and other Gulf and Atlantic states. Public disclosures describe subsequent tightening of underwriting, rate increases, and non‑renewals, culminating in the 2022 decision to place remaining personal lines business into run‑off and early‑2023 receivership for UPC. As a result, no active geographic expansion or target territories are in evidence; instead, the operational focus is orderly run‑off and transfer of in‑force blocks where required by regulators. Submission / producer instructions: - No active producer or broker submission portal or guidelines are currently promoted for new business. Historical producer relations emphasized the independent agency channel and referred to internal underwriting manuals, but those are now relevant only for legacy business administration and regulatory filings (e.g., state HO manuals and guideline filings). Agents should not attempt to submit new personal lines risks to UPC; instead, they should follow state‑specific regulatory and receivership communications regarding renewal placement with alternative carriers or assumption transactions. Broker / operational notes: - Treat UPC/UIM as a legacy runoff operation rather than a trading market. For existing in‑force policies, follow the instructions from the applicable state insurance department or receiver on renewals, claims handling, and potential assumption of policies by other carriers. For placement strategy, steer all new homeowners and dwelling fire business to active markets; do not market UPC as an available option, and remove UPC from new‑business quoting panels and comparative raters where possible.