Unique Insurance Company
Unique Insurance Company is a private U.S. insurer underwriting non-standard personal auto, light commercial auto, and manufactured home insurance in seven states, distributed exclusively through independent agents and operating within the Producers National Corporation family.
- Company typePrivate
- Founded1996
- HeadquartersNiles, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Unique Insurance Company does
Unique Insurance Company is a private U.S. property and casualty insurer founded in 1996 in Illinois as a physical-damage carrier and now operating in seven states (Florida, Georgia, Illinois, Indiana, New Mexico, Tennessee, and Utah). The company underwrites non-standard personal automobile insurance as its flagship line, supplemented by light commercial automobile coverage for small businesses (landscapers, plumbers, contractors, artisans) and specialized manufactured home insurance for adult park, family park, and private property owners. Through a partnership with Arrow Underwriting, Unique also extends into physical-damage commercial trucking and commercial/personal property coverage in select states.
The company's technology stack is centered on third-party insurance platforms rather than proprietary systems: an Insursys-based policy management and customer portal (myunique.insursys.com for manufactured home customers) and a DiamondWeb-based agency portal for independent agents (uniqueinsuranceco.com/DiamondWeb). Customer self-service capabilities include online payment processing, claims submission, and policy management through dedicated logins. Unique Insurance is a subsidiary within the Producers National Corporation (PNC) family of companies, which reports $203M in 2024 Gross Premium Written, 1,000+ agents, and 46 licensed states.
Unique Insurance generates revenue through insurance premiums on personal auto, commercial auto, manufactured home, and partnered property and trucking policies, with payment administered by Unique Insurance Managers. Pricing is determined through individual underwriting rather than published rate cards, and payment cadence is monthly via policy premium or claim installment payments. Distribution is exclusively through independent insurance agents, and the company does not maintain a mobile app or public API surface. The company has 101-250 employees and is headquartered in the Chicago, Illinois metropolitan area, with mailing operations handled through Producers National Corporation's Portsmouth, New Hampshire office.
Unique Insurance Company firmographics
Firmographics- Name
- Unique Insurance Company
- Legal name
- UNIQUE INSURANCE COMPANY
- Website
- https://uniqueinsuranceco.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Unique Insurance Company is a private U.S. insurer underwriting non-standard personal auto, light commercial auto, and manufactured home insurance in seven states, distributed exclusively through independent agents and operating within the Producers National Corporation family.
- Ownership category
- akta.pro rank
Unique Insurance Company industry classification
Industry- Product category
- Personal and Commercial Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD)
- akta.pro secondary industry
- Full-Coverage Personal Auto Insurance (FSAJAAAF)
Keywords
Where Unique Insurance Company is headquartered
LocationHeadquarters
- HQ city
- Niles
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Unique Insurance Company business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premiums: Unique Insurance generates revenue through policy premium payments from personal automobile, commercial automobile, and manufactured home insurance policies. The company also processes claim installment payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance coverage |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Unique Insurance Company product offering
Product offeringCore offering
Unique Insurance Company writes non-standard personal automobile, light commercial automobile, and manufactured home insurance policies, distributed exclusively through a vast network of independent insurance agents in Florida, Georgia, Illinois, Indiana, New Mexico, Tennessee, and Utah. The company manages the full insurance lifecycle—quoting, underwriting, policy issuance, premium billing, claims handling, and policyholder servicing—through its agent portal and online customer portals.
Product overview
Unique Insurance Company operates as a multi-product insurance provider offering a portfolio of non-standard personal automobile, light commercial automobile, and manufactured home insurance products across select U.S. states. The core product lineup consists of Personal Auto Insurance (the flagship offering since 1996), Commercial Auto Insurance for small business vehicles, and Manufactured Home Insurance. Through a partnership with Arrow Underwriting, the company also extends coverage to commercial trucking and property risks. Products are distributed through a network of independent insurance agents.
Differentiator
Problem solved
Functional benefit
Brands
- Arrow Underwriting: Partnership with Arrow Underwriting providing physical damage coverage for commercial trucking risks and commercial and personal property coverage in select states.
Products and services
- Personal Auto Insurance Non-standard personal automobile insurance coverage for individual policyholders, provided through a vast network of thousands of independent insurance agents across seven U.S. states.
- Commercial Auto Insurance Light commercial automobile insurance for automobiles owned by small businesses, including landscapers, plumbers, contractors, and artisans, distributed through independent insurance agents in select states.
- Manufactured Home Insurance Specialized manufactured home insurance for manufactured homeowners, including those residing in adult parks, family parks, and on private property, including proactive hurricane preparation communication for policyholders in states such as Florida.
Companies that use Unique Insurance Company
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Unique Insurance Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Unique Insurance Company partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Producers National CorporationcoreProducers National Corporation is the parent company of Unique Insurance Company. Unique Insurance is described as part of the Producers National family of companies, with shared infrastructure including email ([email protected]), mailing address, and licensing network of 46 states and 1000+ agents.
- Arrow UnderwritingminorIn partnership with Arrow Underwriting, Unique Insurance provides physical damage only coverage for commercial trucking risks, and commercial and personal property coverage in select states. This extends Unique's product offerings beyond auto and manufactured home insurance.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
Unique Insurance Company competitors and assessment
Company assessmentDirect peers
- Dairyland Insurance: Specialty non-standard auto and motorcycle carrier writing through independent agents; comparable to Unique on niche auto focus and independent agency distribution.
- Direct Auto Insurance: Non-standard personal automobile writer serving similar higher-risk customer segments; comparable product line and risk profile to Unique's flagship personal auto business.
- Foremost Insurance Group: Manufactured home, mobile home, and specialty property specialist distributed through independent agents; the closest direct peer to Unique's manufactured home insurance product.
- Bristol West Insurance Group: Non-standard personal auto writer distributed primarily through independent agents; overlaps directly with Unique on product, target customer, and channel, though operating at larger national scale.
- United Automobile Insurance Company (UAIC): Florida-anchored non-standard personal auto specialist with strong manufactured home and recreational vehicle extensions; directly comparable geographic and product overlap with Unique's Florida book.
- American Modern Insurance Group: Manufactured home, mobile home, and specialty dwelling carrier writing through agents; competes head-to-head with Unique on manufactured home coverage in overlapping states.
- Infinity Insurance Company: Non-standard personal automobile specialist writing through independent agents in many of the same US states as Unique; directly comparable on product mix, customer risk profile, and distribution model.
Broad incumbents
- GEICO: National personal auto incumbent with growing non-standard exposure; competes indirectly with Unique on price benchmarks that drive agent quoting decisions.
- Progressive Corporation: Largest US personal auto writer with a sizable non-standard segment and broad agency and direct distribution; competes with Unique on price and agent placement across operating states.
Emerging players
- AssuranceAmerica Insurance Company: Non-standard auto and commercial auto writer distributed through independent agents in selected southeastern and midwestern states; comparable product mix and geographic overlap with Unique.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Unique Insurance Company social profiles
Digital presenceUnique Insurance Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unique Insurance Company leadership team
Management profileNumber of profiles
Profiles1 record
Unique Insurance Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unique Insurance Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unique Insurance Company
What does Unique Insurance Company do?
Unique Insurance Company writes non-standard personal automobile, light commercial automobile, and manufactured home insurance policies, distributed exclusively through a vast network of independent insurance agents in Florida, Georgia, Illinois, Indiana, New Mexico, Tennessee, and Utah. The company manages the full insurance lifecycle—quoting, underwriting, policy issuance, premium billing, claims handling, and policyholder servicing—through its agent portal and online customer portals.
Is Unique Insurance Company a public or private company?
Unique Insurance Company is a private company. It is classified as corporate owned and is currently operating.
When was Unique Insurance Company founded?
Unique Insurance Company was founded in 1996. It employs 101 to 250 people.
Where is Unique Insurance Company based?
Unique Insurance Company is headquartered in Niles, United States, in the North America region.
How does Unique Insurance Company make money?
One revenue line is on record: insurance Premiums.
Who are Unique Insurance Company's main competitors?
Direct peers on record are Dairyland Insurance, Direct Auto Insurance, Foremost Insurance Group, Bristol West Insurance Group, United Automobile Insurance Company (UAIC), American Modern Insurance Group and Infinity Insurance Company. Broad incumbents are GEICO and Progressive Corporation. AssuranceAmerica Insurance Company is listed as an emerging player.
Does Unique Insurance Company have an API?
No public API is recorded for Unique Insurance Company.
What industry is Unique Insurance Company in?
Unique Insurance Company's product category is Personal and Commercial Property and Casualty Insurance. Its primary akta.pro industry code is FSAJAAAD, Non-Standard / High-Risk Personal Auto Insurance, with a secondary code of FSAJAAAF, Full-Coverage Personal Auto Insurance. Its NAICS code is 524126 and its SIC code is 6331.