About UFG
Trusted insurance solutions since 1946
UFG Insurance was founded on a belief that the insurance business is a people business — a principle that still anchors us today.
With a geographic presence from coast to coast, UFG is here for you with deep underwriting expertise and specialized capabilities to meet the evolving needs of business owners. Underpinning our commitment to customers is a dedication to service that exceeds expectations and an emphasis on personal relationships that can be hard to find in today’s fast-paced world.
We’re proud to provide insurance solutions from UFG headquarters in Iowa and office locations in Arizona, California, Colorado, New Jersey and Texas. Our products are available exclusively through a select group of approximately 1,000 independent insurance agents and brokers across the United States. Learn about our legacy.
Turn to UFG for:
- Commercial insurance in 32 states through business units of:
- Middle market
- Construction
- Small business
- Excess and surplus lines and surety bonds in 50 states plus Washington D.C. through business units of:
- UFG Specialty
- UFG Surety
- Reinsurance that spans the globe through the alternative distribution unit
UFG welcomes independent insurance agents to explore a rewarding partnership with us.
Discover our cornerstones
Corporate responsibility
At UFG, our purpose is rooted in deeper responsibilities than ink reflects on paper. The promises we strive to keep in the business world parallel those we pledge to our communities, employees and environment.
DE&I
We aim to foster a culture of belonging, where everyone is welcome, respected and appreciated. That commitment is reinforced through a variety of DE&I initiatives.
UFG Foundation
The private foundation of UFG Insurance has put profits to work for a higher purpose since 1999, building upon our mission’s promise of community support.
Vision, mission, values
At our fundamental core is a vision that inspires us, a mission that motivates us and a strong set of values that defines us.Go Beyond award
Each year, UFG proudly celebrates an employee and agency partner who goes above and beyond in community service.
Casey Prince
Craig Schroeder
UFG Insurance Blog
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UFG news
Stay up to date on press releases and corporate news stories from across UFG.
United Fire Group, Inc. reports third quarter 2025 results
Third quarter net income of $1.49 per diluted share and adjusted operating income of $1.50 per diluted share
Third quarter 2025 highlights compared to third quarter 2024, unless otherwise noted:(1)
- Net income increased $19.4 million to $39.2 million.
- Net investment income increased 6.3% to $26.0 million.
- Combined ratio improved 6.3 points to 91.9%; composed of an underlying loss ratio of 56.0%, catastrophe loss ratio of 1.3%, no prior year reserve development, and underwriting expense ratio of 34.6%.
- Underlying combined ratio improved 3.2 points to 90.6%.
- Net written premium(2) increased 7% to $328.2 million.
- Book value per share increased $4.42 to $35.22 as of September 30, 2025, compared to December 31, 2024.
- Adjusted book value per share increased $2.70 to $36.34 as of September 30, 2025, compared to December 31, 2024.
- Return on equity of 12.7% as of September 30, 2025.
In the third quarter, net written premium grew 7% to $328.2 million led by continued strong production in core commercial lines. Retention and new business volume were strongly above prior year levels with rates increasing 5.8%.
The third quarter combined ratio improved 6.3 points to 91.9%. The underlying loss ratio improved 1.9 points to 56.0%, reflecting the ongoing benefits of continued rate achievement and favorable frequency trends coupled with favorable large loss experience. The catastrophe loss ratio improved 3.1 points to 1.3% on relatively light third quarter catastrophe activity. Prior year reserve development was neutral overall with favorable development across several lines of business enabling continued proactive reinforcement of casualty reserves. The underwriting expense ratio improved 1.3 points to 34.6% due to continued focus on disciplined expense management and business growth. Net investment income increased $1.5 million to $26.0 million, including 17% growth in fixed maturity income.
"UFG delivered another quarter of outstanding results, achieving the best third quarter combined ratio in nearly 20 years while growing net written premium to a third quarter record of $328 million,” said President and CEO Kevin Leidwinger. “The ongoing strategic steps we have taken to deepen our underwriting expertise, evolve our capabilities, better align with our distribution partners and improve our investment returns contributed to a return on equity of 12.7% through the first nine months of 2025, marking the company’s best year-to-date financial performance in almost two decades. The work we have done over the past three years to transform the company continues to materialize in our financial and operational performance. As we remain focused on the execution of our strategic business plan, UFG is well positioned to navigate the evolving industry dynamics and carry the momentum we have built through the end of the year and into 2026.”
View the full release here.