UFG Specialty Insurance Company Insurance Review

In this comprehensive review, we will examine UFG Specialty Insurance Company, a subsidiary/excess and surplus (E&S) business unit of UFG Insurance, and its specialty lines insurance products.

While UFG Insurance, its parent company, previously wrote certain personal lines policies (car, home, renters, etc.), the company discontinued all personal insurance over five years ago.

Today, UFG Insurance focuses exclusively on business and specialty insurance products (e.g., surety bonds, excess and surplus, etc.)

We will explore UFG Specialty’s background, the products they offer, their customer service experience, and the potential advantages of choosing this company.

If you’re in need of professional liability or surety products, this review breaks down UFG Specialty offerings.

UFG Specialty Insurance Company History

Founded in 1946, UFG Insurance has grown from a small regional insurer into a national commercial insurance provider. Over time, they moved into the specialty market to keep up with what businesses and wholesalers needed.

As part of this evolution, UFG Specialty Insurance Company, a subsidiary of UFG Insurance, has been operating since 2014 to provide a wide range of specialty insurance lines designed to protect companies against financial risk. Its operations are supported by its corporate office in Phoenix, Arizona.

Backed by UFG Insurance’s strong financial standing and a proven track record of excellent customer service, UFG Specialty boasts an impressive reputation in the insurance industry. The company offers expertise in underwriting, risk evaluation, and claims handling for businesses that need customizable protection.

While UFG Insurance once offered personal lines products, the company formally exited the personal insurance market more than five years ago and now focuses solely on commercial policies, specialty lines, and risk-management solutions.

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Types of Specialty Lines Offered by UFG Specialty

UFG Specialty Insurance Company provides excess & surplus (E&S) and specialty commercial insurance lines designed for high-risk businesses.

Here is a list of all specialty lines UFG currently offers:

Casualty Insurance

UFG Specialty offers several tiers of excess and specialty liability coverage, including:

• Excess General Liability
• Excess Auto Liability
• Excess Employer’s Liability
• Limited Excess Professional Coverages

Property Insurance

• Monoline Property
• Excess Property
• Builders Risk
• Excess Builders Risk

UFG Specialty Acceptable Business Classes

UFG Specialty accepts a broad array of business classes, including but not limited to the categories below.

Casualty Insurance

• Real Estate & Property-Related Risks: Property owners, lessors’ risk accounts, office parks, commercial buildings, and industrial parks.
• Manufacturing, Production & Distribution: Machine shops, food manufacturers and producers, product distributors, sporting goods operations, and other businesses with product liability potential.
• Contracting & Construction-Related Risks: Commercial contractors, wrap-up and project-specific construction programs, and contractor fleets.
• Transportation & Auto-Related Businesses: Commercial auto operations, appliance delivery services, local delivery trucks, messenger and courier services, and niche risks such as tow truck operations and trucker-for-hire gap layer placements.
• Professional & Service-Based Businesses: Consultants and retail operations.
• Forestry, Agriculture & Outdoor Risks: Logging and lumbering risks in wildfire-prone areas.
• New Ventures & Nontraditional Accounts: New ventures and emerging business models that may not have an established loss history.

Property Insurance

• Manufacturing & Light Industrial Risks: Light manufacturing operations, full-scale manufacturing plants, automotive-related manufacturing, food processing, machine shops, metal fabrication, and foundries, and durable goods manufacturing.
• Warehouse, Distribution & Storage Risks: General storage facilities, distribution centers, and self-storage operations.
• Wood, Lumber & Recycling Operations: Sawmills, woodworking operations, paper and plastics recycling centers, scrap metal recycling operations, and waste and materials recovery facilities.
• Commercial Real Estate & Lessor’s Risk: Retail shopping centers, office buildings and office parks, warehouse complexes, commercial Lessor’s Risk Only (LRO) properties, and mixed-use commercial structures.
• Habitational & Community-Based Risks: Limited habitational properties, homeowners associations (HOAs) with up to 35% rental tenant occupancy, and high-valued dwellings (structure-only, ISO forms only).

Builders’ Risk Insurance

• All ISO 1-6 construction
  New ground-up
  Renovations with or without the existing building
  Prior start/mid-term*
  Fire-damaged structures
  Reporters

UFG Specialty Customer Service Experience

Customer satisfaction is a top priority for UFG Specialty Insurance Company. They pride themselves on delivering exceptional customer service, ensuring that policyholders receive prompt assistance and personalized attention when needed. With their commitment to reliability and responsiveness, you can feel confident that your concerns will be addressed efficiently.

UFG Specialty Insurance Company understands that insurance can be complex and overwhelming. That’s why they have a team of knowledgeable and friendly customer service representatives ready to assist you. Whether you have questions about your policy, need help filing a claim, or simply want to update your coverage, their dedicated team is here to provide the support you need.

UFG Specialty Insurance Company’s customer service representatives undergo extensive training to ensure they have the knowledge and expertise to assist policyholders effectively. They are committed to providing personalized service and strive to exceed your expectations at every interaction.

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Advantages Of Choosing UFG Specialty Insurance Company

Choosing UFG Specialty Insurance Company as your specialty lines partner comes with several advantages.

• Backed by UFG Insurance’s long-established financial strength
• Expertise in specialty and E&S markets
• Ability to insure higher-risk or non-standard businesses
• Flexible underwriting for unique exposures
• Broad commercial portfolio across UFG Insurance
• Dedicated claims support with specialty-risk experience

However, please note that availability varies by state and industry, and policies must be purchased through brokers or agents. UFG Specialty insurance solutions, including excess liability, primary quota share, excess property, excess quota share property, and builders’ risk, are offered in all 50 states.

Monoline property and builders’ risk options are offered only in a limited set of states, like Arizona, California, Colorado, Idaho, Illinois, New Mexico, Nevada, Oregon, Texas, Utah, and Washington.