United Insurance Group

What United Insurance Group does

United Insurance Group (UIG) is a privately held insurance carrier founded in 1998 and headquartered in Provo, Utah. The company operates through two wholly-owned subsidiaries, United Underwriters and United Insurance Company, with United Underwriters functioning as an underwriting manager in partnership with Benchmark Insurance. UIG distributes personal and commercial insurance products through a network of more than 150 affiliated independent insurance agencies across Utah (from Logan to Lehi, St. George to Salt Lake City, and Roosevelt to Roy), supplemented by direct online and mobile app self-service channels for policy management, bill payment, and claims submission.

UIG's product portfolio spans seven personal lines (Auto, Homeowners, Renters, Condo, Landlord/Dwelling, plus a distinct stand-alone Earthquake offering) and seven commercial programs (Business Owners, Artisan Contractor, Restaurant, Retail Office, Commercial Auto, Auto Service, and Condominium). Differentiated offerings include a stand-alone Earthquake Insurance line with Basic and Standard packages and an Earthquake Loss Assessment endorsement for condo owners up to $250,000, specialized landlord endorsements (sewer backup, 125% dwelling replacement, personal injury), and add-on modules for commercial clients such as Cyber Suite and Employment Practices Liability. A proprietary automated processing platform underpins agent workflow for quoting, policy servicing, and claims, positioned as faster than traditional insurance carriers.

Revenue is generated primarily through recurring insurance premiums, with monthly billing on personal lines and annual billing on some specialty lines such as landlord and earthquake policies. Pricing is quote-based with tiered discount structures (up to 43% low-mileage auto, 20% auto/home bundle, 35% multi-policy renter/landlord bundle). Customer segments are concentrated in Utah residents for personal lines and Utah small businesses for commercial lines, with no named enterprise customers or out-of-state expansion visible in the source data.

Name

United Insurance Group

Legal name

United Insurance Group

Website

https://uuinsurance.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

United Insurance Group is a privately held Utah-domiciled insurance carrier founded in 1998 that underwrites personal and commercial lines through 150+ affiliated independent agencies statewide, with a proprietary automated processing platform and a distinctive stand-alone Earthquake Insurance line.

Ownership category

akta.pro rank

Product category

Personal and Commercial Property & Casualty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial Lines Insurance Brokerage (FSAEADAB), Surplus Lines Property (CAT/High-Hazard) (FSAJAGAB)

Keywords

• Personal auto insurance
• Commercial property insurance
• Earthquake insurance coverage
• Landlord dwelling insurance
• Renters insurance products

Headquarters

HQ city

Provo

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: United Insurance Group generates revenue through insurance premiums collected from policyholders. The company operates as an underwriting manager through United Underwriters and United Insurance Company, providing personal and commercial insurance products including Auto, Homeowners, Renters, Condo, Landlord, Earthquake, and Commercial coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

United Insurance Group underwrites and distributes a portfolio of personal and commercial insurance products in Utah through affiliates United Underwriters and United Insurance Company. Personal lines include Auto, Homeowners, Renters, Condo, Landlord/Dwelling, and stand-alone Earthquake insurance; commercial lines include Business Owners, Artisan Contractor, Restaurant, Retail Office, Commercial Auto, Auto Service, and Condominium Programs. Distribution occurs primarily through 150+ affiliated independent Utah-based agencies, supported by an online portal and mobile app for self-service.

Product overview

United Insurance Group is a Utah-based insurance carrier offering a portfolio of personal and commercial insurance products through a network of 150+ local agencies. The personal insurance suite includes Auto, Homeowners, Renters, Condo, Landlord/Dwelling, and standalone Earthquake insurance products. The commercial insurance suite encompasses Business Owners, Artisan Contractor, Restaurant, Retail Office, Commercial Auto, Auto Service, and Condominium Programs. Additional value-added offerings include mobile app access for account management, executive enhancement endorsements, Cyber Suite, and Employment Practices Liability coverage. The company differentiates through unique coverages such as earthquake loss assessment, sewer backup, service line protection, and equipment breakdown coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal automobile insurance coverage for Utah drivers, including free windshield coverage, low mileage savings up to 43%, bundling with homeowners for up to 20% savings, and free emergency roadside assistance (towing, dead battery, out of gas, flat tire, locked keys).
• Homeowners Insurance Residential property insurance for Utah homeowners covering the home structure, personal property, and unique endorsements including underground water, sewer, and electrical service line coverage as well as equipment breakdown protection.
• Renters Insurance Personal property and liability insurance for Utah renters, including equipment breakdown protection, fire protection device discounts, identity theft coverage, and multi-policy discounts up to 35%.
• Condo Insurance Condominium unit-owner insurance with earthquake coverage for personal belongings and loss of use, earthquake loss assessment coverage for HOA fees, and an executive enhancement endorsement that boosts coverage limits.
• Landlord Policy (Dwelling Insurance) Specialized rental property insurance for Utah landlords, offering sewer backup coverage ($14/year up to $5,000), 125% dwelling replacement ($10/year), personal injury coverage ($24/year), earthquake options, underground service line, and equipment breakdown coverage ($35/year with $500 deductible, $100,000 limit).
• Earthquake Insurance Stand-alone earthquake insurance for owner-occupied homes, condos, and rental dwellings in Utah, with two package options (Basic for dwelling only with 5% or 10% deductible; Standard including personal property at 30-50% of dwelling and loss of use at 10-20% of dwelling) and optional coverages for other structures up to $100,000, building code upgrades up to $50,000, and earthquake loss assessment up to $250,000.
• Commercial Insurance Program (Business Owners) Business insurance umbrella covering multiple commercial segments in Utah, including artisan contractors, restaurants, retail/office, commercial auto, and condominium associations, with unique coverages such as Cyber Suite endorsement and Employment Practices Liability coverage.
• Artisan Contractor Program Specialized commercial insurance for Utah artisan trades such as handymen, landscapers, HVAC, plumbers, painters, cabinet installers, and carpet installers, with Plus and Pro enhancements and Cyber Suite coverage.
• Restaurant Program Commercial insurance built for Utah food-service businesses including diners, bistros, family-style restaurants, cafes, Chinese restaurants, fine dining, fast food, limited cooking eateries, catering, food trucks, and food carts.
• Retail Office Program Commercial insurance for Utah retail mercantile and service operations including appliances, art stores, auto parts, bakeries, floral shops, barber shops, beauty salons, convenience stores, and similar small businesses.
• Commercial Auto Program Commercial vehicle insurance designed to be packaged with other UIG commercial programs, offering competitive rates for clean accounts with liability limits up to $1,000,000, excluding tow trucks, semi-tractors, trailers, and tanker trucks.
• Auto Service Program Commercial insurance for Utah automotive repair businesses including general repair, detailing, oil and lube, glass installation, emission testing, auto upholstering, paint shops, muffler installation, alignment, transmission and radiator repair, and stereo installation.
• Condominium Programs Commercial insurance for Utah apartment buildings (1-30 units), residential condominiums (2-30 units), and office condominiums up to 100,000 square feet, covering buildings built from 1960 onward.

Quantifiable outcome

• Save up to 43% on auto insurance with low mileage discount
• +3 more outcomes

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

14 partnerships are on record, tiered minor and core.

• Quality RestorationminorImplementation/ SI/ Consulting PartnerDisaster restoration contractor recommended to policyholders in Utah County for emergency assistance following property losses. Contact: +1-801-922-9130.
• Restore ProminorImplementation/ SI/ Consulting PartnerDisaster restoration contractor recommended to policyholders for emergency assistance following property losses in Utah County and Salt Lake County.
• Wasatch Disaster SolutionsminorImplementation/ SI/ Consulting PartnerDisaster restoration contractor recommended to policyholders in Utah County. Contact: +1-801-472-5620.
• Allpro Disaster CleaningminorImplementation/ SI/ Consulting PartnerDisaster cleaning contractor recommended to policyholders in Salt Lake County. Contact: +1-801-748-4020.
• ASAP RestorationminorImplementation/ SI/ Consulting PartnerDisaster restoration contractor recommended to policyholders in Salt Lake County. Contact: +1-801-573-7776.
• Certified Disaster ServicesminorImplementation/ SI/ Consulting PartnerDisaster services contractor recommended to policyholders in Weber County. Contact: +1-801-399-9996.
• Power PlusminorImplementation/ SI/ Consulting PartnerCleaning and restoration contractor recommended to policyholders in Sanpete County. Contact: +1-435-427-9800.
• Basin Flood and FireminorImplementation/ SI/ Consulting PartnerFlood and fire restoration contractor recommended to policyholders in Uintah County. Contact: +1-435-789-3473.
• AAA Disaster ServicesminorImplementation/ SI/ Consulting PartnerDisaster services contractor recommended to policyholders in Washington County. Contact: +1-435-628-9866.
• North Star RestorationminorImplementation/ SI/ Consulting PartnerRestoration contractor recommended to policyholders in Washington County. Contact: +1-435-214-3955.
• Utah Disaster Kleenup - St GeorgeminorImplementation/ SI/ Consulting PartnerDisaster cleanup contractor recommended to policyholders in Washington County/St. George area. Contact: +1-435-688-9333.
• NSD (Towing Service)minorImplementation/ SI/ Consulting PartnerDesignated towing service for auto accident claims. Policyholders should contact NSD at 1-855-548-5624 when vehicle needs to be towed.
• 150+ Utah-based Insurance AgenciescoreChannel Partner/ Reseller/ DistributorUnited Insurance Group is affiliated with over 150 independent Utah-based insurance agencies spanning from Logan to Lehi, St. George to Salt Lake City, Roosevelt to Roy. These agencies provide quotes, service policies, and process claims for personal and commercial insurance products.
• Benchmark InsurancecoreStrategic or Co-development PartnerUnited Underwriters functions as an underwriting manager for Benchmark Insurance and United Insurance Company, enabling UIG to provide personal and commercial insurance products in Utah.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• USAA: Large direct-to-consumer P&C carrier with strong Utah footprint among military-affiliated households. Overlaps UIG on auto and homeowners distribution and competes for the same value-conscious buyer.
• State Farm: Largest U.S. personal lines P&C carrier with significant Utah presence through captive agents. Overlaps UIG on auto, homeowners, and renters but with vastly greater scale and brand recognition.

Direct peers

• Utah Farm Bureau / Farm Bureau Financial Group: Regional mutual P&C carrier with deep Utah roots offering auto, home, farm, and commercial coverage through exclusive agents. Comparable to UIG in regional focus, agent-driven distribution, and multi-line discount strategy.
• EMC Insurance Companies: Regional P&C carrier focused on small-to-mid commercial and personal lines through independent agents. Comparable to UIG in target customer (small commercial) and distribution model.
• Auto-Owners Insurance: Mid-sized mutual P&C insurer operating through independent agents across multiple states. Comparable to UIG in independent-agency distribution model and personal/commercial line mix.
• German Mutual Insurance Company: Utah-based mutual insurer providing homeowners, auto, and farm coverage to Utah residents. Direct geographic and product comparable to UIG, particularly in homeowners and personal lines.
• Shelter Insurance: Regional mutual P&C carrier selling auto, home, and life through exclusive agents in central and western U.S. states. Similar agency-led model and personal lines focus to UIG.
• Bear River Mutual Insurance Company: Utah-headquartered mutual P&C insurer serving individuals and small businesses across the state. Direct comparable to UIG in geography, customer segments, and product mix (auto, home, commercial).

Emerging players

• Lemonade: Digital-first insurtech offering renters, homeowners, and pet insurance via a mobile-first experience. Represents the digital-native competitive threat to UIG's agency-driven personal lines book.

Regional players

• Mountain West Insurance & Financial Services: Utah-based independent insurance agency offering personal and commercial lines from multiple carriers. Comparable to UIG in target market and product breadth but operates as an agency rather than a carrier.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/united-underwriters

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Insurance Group