Business Insurance


For businesses of all sizes and specialties

When running a business, you are always on the clock, always on call and always available, which is exactly the way you want it to be.

No matter what industry you are part of—construction, manufacturing, restaurant, health care, automotive, agriculture, telecommunications, financial services or consumer goods and services—there are rewarding days and challenging days. Even so, you couldn’t imagine doing anything else.

Whether you’ve been in business for months, years or decades, you know that being prepared for the unexpected is an important part of a strong strategy. Although you’ve taken steps to minimize losses and injuries at your business, some incidents are beyond your control.

Protecting Your Business

With insurance protection from UFG, you can worry less about protecting your business and focus more on running your business. We’ve been protecting businesses of all sizes and specialties for over 75 years now—businesses like yours.

Back to business in no time

If a loss does occur, you can depend on us to make good on our promise of protection. With claims representatives strategically located throughout the country, we are able to resolve losses quickly and efficiently, so you can be back to business for your customers, your employees and yourself in no time.

Choose UFG to protect your business. In addition to our business insurance products, we also provide surety bond solutions for our customers through UFG Surety.

Insurance for businesses

How much and what kind of insurance do I need? UFG has helped thousands of business owners answer this important—yet complicated—question, using our over 75 years of knowledge and experience to help people make informed insurance decisions.

At UFG, our business is to know your business and the potential risks you face in your day-to-day operations. We work directly with your local insurance agent to give you exactly the insurance protection you need. It’s a complex business decision made simple!

UFG offers a wide range of insurance products for businesses, which can be bundled or customized to your exact needs:

  • Business Auto
  • Commercial Crime
  • Commercial Property
  • Commercial Umbrella
  • Contractors Errors & Omissions
  • General Liability
  • Inland Marine
  • Workers Compensation
  • Specialty Programs: Business Owners, Garage Services and Small Contractors

Businesses we protect
At UFG, we provide trustworthy insurance protection for businesses of all sizes and specialties, from one-person operations to major corporations. When it comes to protecting a business, we know we’re protecting more than buildings, equipment and merchandise. We’re protecting our customers’ dreams: the businesses they built that serve customers, employ people and make a difference in their communities.

Here’s an overview of the types of businesses we protect:

  • Contractors
  • Institutions
  • Manufacturing and Industrial
  • Merchants and Retailers
  • Property Managers and Landlords
  • Service-Based Businesses
  • Wholesalers and Distributors
Insurance for businesses

Raising awareness and knowledge
UFG is part of a continuously evolving industry, with new laws, regulations, data and trends emerging all the time. To stay up-to-date on the latest, we have partnered with several professional trade associations.

We value these associations for their work in raising awareness and knowledge of relevant issues in our industry—many of which have a direct impact on the way we do business and the way our customers do business too.

Through our partnerships, UFG has the opportunity to extend membership benefits to our own customers, such as specialty products and services, preferred pricing and safety dividends.

Associations Endorsing UFGUFG is the endorsed insurance group for:


For projects big and small
Every business owner knows how important it is to complete projects on time, within budget and as promised. With every successful project, you are building a solid reputation for your business, as well as increasing your customer base.

Today, many businesses are required to secure a surety bond before beginning a project, especially in the construction industry. A surety bond acts as a promise of performance or payment if a business fails to fulfill its obligation.

Insurance for businesses

At UFG, we have a solid reputation for upholding our customers’ promises, without holding up their jobs. In addition to our financial strength and trustworthiness, we provide a simple submission process and fast turnaround time on surety bond requests.

Our complete line of surety bonds includes:

  • Contract Bonds
  • Janitorial/Business Service Bonds
  • Judicial Bonds
  • License and Permit Bonds
  • Public Official Bonds

When you need to secure a surety bond, choose UFG Surety for your bonding needs.

Need to verify a bond or respond to a status inquiry form from UFG? Check out our Obligee Work Zone tool.