About UFG

About UFG

A financially strong—and trustworthy—insurance company

UFG is a successful and growing multibillion-dollar-asset insurance company, dedicated to protecting people and earning their trust.


Founded in 1946, UFG offers insurance protection for people’s businesses, homes, vehicles and lives, including:

Trust Matters

Our products are available exclusively through a select group of approximately 1,200 independent property and casualty insurance agents and 1,300 independent life insurance agents across the country, directly serving the insurance needs of people in their communities.

With a UFG workforce of over 1,100 employees — working at our corporate headquarters in Cedar Rapids, Iowa, and five regional offices in Westminster, Colorado; Webster, Texas; Pennington, New Jersey; Los Angeles, California; and Rocklin, California — we can be depended on to deliver exceptional protection and service to our thousands of policyholders in every region of the U.S.

UFG Locations

A Foundation of Trust

99%At UFG, we’ve built our company on the foundation of trust, because we know that trust matters—to our customers, employees and shareholders—who have all invested in UFG for the future, whether it’s in the form of insurance protection, a career or shares of stock. 

In a third-party research study conducted by Vernon Research Group, 99 percent of UFG insurance agents surveyed said that an insurer’s trustworthiness is important and the agents rated UFG as a trustworthy insurance company.

INDUSTRY RATINGS AND RECOGNITION

awards

UFG is a publicly traded company and has been listed on the Nasdaq Stock Market under UFCS for three decades. We hold a financial strength rating of “A” (Excellent) from A.M. Best Company with a financial size category of X ($500 million to $750 million) and rank 77 on the list of Top 200 U.S. Property Casualty Writers in the 2016 Best’s Review

In addition, UFG was named one of “America’s 50 Most Trustworthy Financial Companies” by Forbes for the third consecutive year in 2016 and a Super Regional Property/Casualty Insurer™ by Insurance Journal every year since 2006, as well as a “Top Workplace” by The Des Moines Register for the third time in 2016.

UFG also earned the prestigious "Five-Star Carrier" rating from Insurance Business America in 2016 for our excellence in financial stability, company reputation, claims processing, underwriting expertise and product offerings. 

At UFG, we’re proud of the recognition we’ve received in the insurance industry, establishing ourselves as the clear company of choice for our agents, policyholders and employees. These awards reflect our ongoing commitment to delivering exceptional protection and services and demonstrating outstanding integrity and transparency in all we do. 

Founded in 1946

The story of UFG begins with the vision of Scott McIntyre Sr., a Cedar Rapids, Iowa, businessman. McIntyre had the ambition to form a stock insurance company in Iowa—an ambition he achieved on January 2, 1946, with the opening of United Casualty Company, as we were originally known.

From there, our story becomes one of small insurance companies merging and working together; of outgrowing old spaces and moving to new ones; of expanding into different territories and acquiring more business; and—through it all—doing business the right way and treating people the right way. Because that’s the way we do things at UFG.

Read noteworthy moments in our 70-year history.

UFG History 1946

1946

UFG, originally known as United Casualty Company, opens on January 2, 1946, in Cedar Rapids, Iowa, writing automobile and liability lines of insurance in Iowa.

UFG History 1950

1950

Insurance laws change to allow companies in Iowa to begin selling multiple lines of insurance. The word “fire” is added to our corporate name and we become: “United Fire & Casualty Company."

UFG History 1952

1952

UFG begins selling fidelity and surety bonds. During our first year in the bonds business, we produce $10,282 in written premium.

UFG History 1962

1962

To complement our product line, UFG establishes a life insurance subsidiary, United Life Insurance Company. Within a year, 55 insurance agents regularly use our life insurance products.

UFG History 1964

1964

UFG moves to our current corporate headquarters at 118 2nd Avenue SE in downtown Cedar Rapids, Iowa.

UFG History 1971

1971

UFG holds our first public stock offering and raises $1.8M. Additional stock offerings are held in: 1986 (public), raising $18M; 2002 (preferred), raising $65M; and 2006 (public), raising $107.5M.

UFG History 1979

1979

To grow and expand our insurance operations, UFG acquires Lafayette Insurance Company of New Orleans, Louisiana. It is the first of four acquisitions by our company in a 20-year period.

UFG History 1981

1981

UFG acquires Protective Fire & Casualty Company of Lincoln, Nebraska.

UFG History 1990

1990

UFG acquires Addison Farmers Insurance Company of Lombard, Illinois.

UFG History 1999

1999

UFG acquires American Indemnity Financial Corporation of Galveston, Texas.

UFG History 2005

2005

Hurricane Katrina makes landfall in New Orleans, Louisiana, on August 28, devastating much of the north-central Gulf Coast. It remains the costliest catastrophe in UFG history to date.

UFG History 2006

2006

To commemorate our 20th anniversary on the Nasdaq Stock Market, John A. Rife, who served as UFG president and CEO from 1997 to 2007, rings the opening bell in New York City on July 17.

UFG History 2007

2007

After leading UFG for a decade, John A. Rife retires and Randy A. Ramlo, a member of the company since 1984, is named his successor. He becomes the fifth leader in our history.

UFG History 2008

2008

Unprecedented flooding occurs at our corporate headquarters. Though we are forced to temporarily relocate, service to our customers continues without interruption.

UFG History 2009

2009

On October 6, Scotty McIntyre Jr., UFG chairman and son of our founder, passes away at the age of 76. He joined UFG in 1954 as a postal clerk, quickly moving up the corporate ladder.

UFG History 2011

2011

UFG completes the acquisition of Mercer Insurance Group Inc. of Pennington, New Jersey, expanding our insurance operations to the East and West Coast regions of the U.S.

UFG History 2014

2014

As part of our rebranding, we simplify our name from United Fire Group to UFG and place renewed emphasis on our corporate tagline: simple solutions for complex times.

UFG History 2015

2015

UFG achieves over $1 billion in total revenues for the first time in our history, achieving a strong profit performance.

UFG History 2016

2016

UFG celebrates 70 years in business, 45 years publicly traded and 30 years on the Nasdaq Stock Market. On April 25, our President and CEO Randy Ramlo rings the Nasdaq opening bell.

Insurance agents and policyholders

Insurance can be complex but selecting coverages, issuing policies, making payments and resolving claims should be simple, at least that’s how we think at UFG.

The customer experience has always been at the forefront of our thinking, as we work to create simple insurance solutions for our insurance agents and policyholders, offering protection they can trust in and service they can depend on.

Through our commitment to providing ease of doing business for our insurance agents and peace of mind for our policyholders, UFG has built long-term relationships with our customers—and we know those are the best to have.

1,100 employees and growing

Our employees are what make UFG such a great company to work for and a great company to do business with. Throughout our offices, our workforce of over 1,100 people work together to serve our customers, embracing our values to respect, serve, aspire and create.

We know that our employees are more than the voice on the other end of a phone call or the email message in an inbox. Whether assisting an insurance agent with a new policy or helping a policyholder after a loss, the work our people do—and the outstanding way they do it—has an impact that goes far beyond our office walls.

After all, we’ve entrusted our employees with the important job of fulfilling the promise we make as an insurance company—the promise of protection. And, truly, we couldn’t have chosen a better group of people for the job.

The business of promises

The Business of Promises - 2015In the insurance world, policyholders promise to pay their premiums now, and the insurance company promises to pay money in the future should an unfortunate event occur. At UFG, we always deliver on our insurance promises. We carry that same principle to our corporate responsibility.

Our Corporate Responsibility Report tells our story of how the promises we keep in the business world parallel those we pledge to our community, employees and environment. We align our corporate values to our corporate responsibility because it’s the right thing to do for people, and the smart thing to do for business.

Please read our 2015 Corporate Responsibility Report to learn more about our commitment to our community, our employees and our environment.