A clear appetite for a better future

A clear understanding of our appetite — how great does that sound?

New proprietary BOP class codes 

Hot off the launch pad, four new BOP class codes — all proprietary to UFG — are now available for easy online quoting. 

Contractor business types:
  • Remodeling and renovation contractor (code 80005).
  • Lawn care services – (code 77060).
Retail business types if lessors’ risk is applicable:
  • Malls – LRO – mini or strip, no food (code 61213).
  • Malls – LRO – mini or strip, with food (code 66213).

You asked and we delivered. We developed an appetite guide that focuses on profitable business to help diversify portfolios and create more opportunities for us to grow together. Clear appetite symbols and smart-search functionality help you understand the types of small businesses that are likely to sail through an online quote without review.  

There’s no time for guessing games when quoting online business. Simple is our goal. Welcome to a clear appetite.  

We’re hungry for specific classes

Our at-a-glance appetite guide includes the business types that are most likely to sail through online quoting in a breeze. Of course, basic eligibility criteria must be met, but here’s a sampling of the small business we want to write:



  • Candy stores.
  • Florists.
  • Internet retailers.
  • Pet supplies.


  • Appliances.
  • Hardware and tools.
  • HVAC equipment.
  • Plumbing supplies.


  • Bakeries.
  • Barber shops.
  • Photographers.
  • Tailors.


  • Attorneys.
  • Interior decorators.
  • Lessors risk only.
  • Small animal vets.


  • Floor covering.
  • Fence construction.
  • Interior carpentry.
  • Interior electricians.

Limited-cooking restaurants:

  • Coffee shops.
  • Delis and sub shops.
  • Ice cream and yogurt stores.
  • Take-out only.

Agents: Want to give this information to your customers? 

Questions, comments or feedback?

We’re here to help you get the most out of our new online experience. If you have a question please don’t hesitate to contact us at We'll respond as soon as we can.