United National Group
United National Group is a 1960-founded specialty insurance carrier, member of Global Indemnity Group, that underwrites general liability, property, and specialty lines through seven exclusive program administrators serving contractors, transportation, habitational, and farm verticals across 50 states.
- Company typePrivate
- Founded1960
- HeadquartersGrand Cayman, Cayman Islands
- Headcount1–10
- GTM typeB2B
- OfferingServices
What United National Group does
United National Group is a specialty insurance carrier that has operated exclusively in the program business market since its founding in 1960. The company underwrites general liability, property, professional liability, inland marine, truckers auto physical damage, and motor truck cargo coverage through a curated portfolio of seven specialty insurance programs: Cornerstone Contractors and C&S Contractors for residential and commercial construction trades; Couriers, Truckers, Transportation for logistics and delivery operators; MVP Dwelling, SES Habitational, and OSC Habitational for residential real estate investment properties; and the E&S Farm Program for agricultural risks. The carrier operates on a non-admitted/surplus lines basis with qualifications in all 50 states plus the District of Columbia (excluding Alaska and Hawaii operationally), holds a group AM Best "A" (Excellent) financial strength rating, and uses both ISO-based and AAIS-based coverage forms.
Distribution is conducted exclusively through select program administrators and intermediaries (including Cornerstone Underwriting Partners, C&S Underwriters, One80 Intermediaries, OSC Insurance Service, AG Brokerage Solutions, International Excess Program Managers, and SES Insurance), each dedicated to a single specialty vertical. The carrier provides in-house quoting and binding authority to enable fast speed-to-market for new program opportunities, supported by partner-facing digital tools including a Crime Score lookup utility and a secure web-based Loss Run portal. United National Group is a member of Global Indemnity Group (GBLI), a diversified insurance conglomerate, and was previously acquired by Fox Paine & Company in 2003.
The business model combines insurance premium revenue (across general liability, property, and specialty lines) with program administration fee income. Pricing is quote-based with minimum premium thresholds varying by program (e.g., $7,500 for mid-to-large contractors under the C&S program). The company maintains a U.S. headquarters in Bala Cynwyd, Pennsylvania, and additional offices in Scottsdale (Arizona), Omaha (Nebraska), and Cavan, Ireland, with revenues, total headcount, and premium volume not publicly disclosed in the available data.
United National Group firmographics
Firmographics- Name
- United National Group
- Legal name
- United National Group
- Website
- https://unitednat.com
- Company type
- Private
- Founded year
- 1960
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- United National Group is a 1960-founded specialty insurance carrier, member of Global Indemnity Group, that underwrites general liability, property, and specialty lines through seven exclusive program administrators serving contractors, transportation, habitational, and farm verticals across 50 states.
- Ownership category
- akta.pro rank
United National Group industry classification
Industry- Product category
- Specialty Insurance Programs
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- General Liability Insurance (FSAJAMAE)
- akta.pro secondary industries
- Large Commercial Package (National Accounts) (FSAJAFAC), Motor Truck Cargo (FSAJABAC)
Keywords
Where United National Group is headquartered
LocationHeadquarters
- HQ city
- Grand Cayman
- HQ country
- Cayman Islands
Offices4 records
Markets served
United National Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Insurance Premium Revenue: United National Group generates revenue through insurance premium collection from program business. They provide general liability, property, professional liability, inland marine, truckers auto physical damage, and motor truck cargo coverage through program administrators.
- Program Administration Fees: Revenue from managing specialized insurance programs for program administrators with customizable program opportunities and binding authority.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | C&S Contractors - Minimum Premium Tier |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
United National Group product offering
Product offeringCore offering
United National Group is a specialty insurance program carrier that distributes general liability, property, professional liability, inland marine, truckers auto physical damage, and motor truck cargo coverage exclusively through select program administrators and intermediaries. The company offers non-admitted (surplus lines) coverage across all 50 states plus D.C. and operates seven named program products spanning contractors, transportation, habitational, and agricultural insurance classes.
Product overview
United National Group operates as a specialty insurance program administrator offering a portfolio of distinct insurance programs focused on general liability, property, professional liability, inland marine, truckers auto physical damage, and motor truck cargo coverage. The company distributes through select program administrators and intermediaries, providing non-admitted coverage via insurance companies with surplus lines qualifications in 50 states and D.C. The seven named programs form the core product portfolio: Cornerstone Contractors and C&S Contractors for construction sector general liability; Couriers, Truckers, Transportation for logistics and delivery risks; MVP Dwelling, SES Habitational, and OSC Habitational for habitational real estate investment properties; and the E&S Farm Program for agricultural risks. All programs feature customizable coverage options and are underwritten by carriers with an AM Best 'A' (Excellent) rating.
Differentiator
Problem solved
Functional benefit
Brands
- Cornerstone Contractors: General Liability & Excess coverage for residential and commercial remodeling, general contractors, and artisan contractors.
- C&S Contractors
- Couriers, Truckers, Transportation
- Market Value Product (MVP) Dwelling
- SES Habitational
- E&S Farm Program
- OSC Habitational
Products and services
- Cornerstone Contractors (General Liability & Excess) Insurance program providing general liability and excess coverage for residential and commercial remodeling contractors, artisan contractors, and light construction classes including carpentry, landscaping, plumbing, electrical, and roofing. Distributed through Cornerstone Underwriting Partners.
- C&S Contractors (General Liability & Excess) Mid-to-large size general liability and excess insurance program for general contractors, custom home builders, commercial contractors, and artisan trades including framing, roofing, grading, HVAC, plumbing, and swimming pool contractors. Uses ISO-based coverage forms and carries a $7,500 minimum premium. Distributed through C&S Underwriters.
- Couriers, Truckers, Transportation (General Liability, Motor Truck Cargo, Auto Physical Damage) Comprehensive transportation insurance program covering couriers, package delivery, line haulers, last mile delivery, truckers, freight brokers, and freight forwarders with general liability, crime, cyber, motor truck cargo, and auto physical damage coverage. Distributed through One80 Intermediaries, Inc.
- Market Value Product (MVP) Dwelling Habitational insurance program offering general liability, property, and excess liability coverage for dwellings, small apartments up to 12 units, vacant land, mobile homes, and condominiums held for sale or rental. Features reporting form billing and custom coverage options for real estate investors. Distributed through International Excess Program Managers.
- SES Habitational (General Liability Only) General liability insurance program for residential real estate investment properties with 5-50 units. Available in all states except AK, FL, HI, and the 5 Boroughs of NY. Distributed through SES Insurance.
- E&S Farm Program Non-admitted commercial insurance program providing farm property and general liability coverage for farm buildings, farm personal property, farm liability, and personal and premises liability. Uses AAIS-based program forms. Distributed through AG Brokerage Solutions.
- OSC Habitational (General Liability & Property) Property and liability insurance program tailored to habitational risks for owners of 1-4 family residential dwelling investment properties. Features monthly reporting or annual policy options with in-house quoting and binding authority. Distributed through OSC Insurance Service.
Quantifiable outcome
- Fast speed to market for program opportunities
Companies that use United National Group
Customer profileSegments5 records
Ideal customer profiles1 record
United National Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
United National Group partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered flagship and core.
- Global Indemnity (GBLI)flagshipUnited National Group is a member of GBLI | Global Indemnity, operating as part of their specialty insurance business. Global Indemnity provides the parent company's resources and financial backing to United National Group's program business operations.
- WSIA (Wholesale & Specialty Insurance Association)coreIndustry association membership providing networking and visibility within the wholesale and specialty insurance market.
- Target Markets ProgramcoreIndustry organization membership for specialty insurance market participants.
- Cornerstone Underwriting PartnerscoreProgram administrator handling Cornerstone Contractors program for general liability and excess coverage for residential and commercial contractors
- C&S UnderwriterscoreProgram administrator for mid-to-large general contractors and artisan contractors general liability and excess coverage
- One80 Intermediaries, Inc.coreProgram administrator handling couriers, truckers, and transportation insurance including general liability, motor truck cargo, and auto physical damage
- OSC Insurance ServicecoreProgram administrator for OSC Habitational program covering general liability and property for owners of 1-4 family residential dwelling investment properties
- AG Brokerage SolutionscoreProgram administrator for E&S Farm Program providing non-admitted commercial farm property and general liability coverage
- International Excess Program ManagerscoreProgram administrator for MVP Dwelling habitational program covering general liability, property and excess for residential properties
- SES InsurancecoreProgram administrator for SES Habitational program covering general liability for residential real estate investment properties 5-50 units
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
United National Group competitors and assessment
Company assessmentDirect peers
- Crum & Forster: Crum & Forster is a specialty property-and-casualty insurer owned by Fairfax Financial that underwrites through program administrators and managing general agents across similar specialty classes (contractors, commercial auto, habitational). Like UNG, it distributes via delegated authority partners rather than direct channels.
- James River Insurance: James River Insurance is an E&S/specialty carrier that underwrites through wholesale brokers and program administrators across commercial auto, contractors, and excess casualty—closely mirroring UNG's program-administrator distribution model and appetite for specialty classes.
- Kinsale Insurance: Kinsale Insurance is a specialty E&S carrier focused on small-to-middle-market commercial risks including commercial auto, habitational, and contractors, distributed through wholesale brokers. It competes with UNG for similar specialty classes and excess-and-surplus business.
- Scottsdale Insurance: Scottsdale Insurance is a Nationwide-owned surplus lines carrier writing through wholesale brokers and program administrators across contractors, habitational, and commercial specialty classes—directly comparable to UNG's surplus lines program structure and class focus.
- Capitol Specialty Insurance: Capitol Specialty Insurance is an E&S specialty carrier writing through program administrators and wholesale brokers on commercial and specialty risks, mirroring UNG's program-market distribution and specialty class focus.
- RPS (Risk Placement Services): RPS is a major wholesale insurance distributor and program administrator that places specialty business with carriers like UNG. It is directly comparable as a channel-based specialty insurance intermediary operating in the same program-administrator ecosystem.
- Burns & Wilcox: Burns & Wilcox is a major wholesale insurance broker and program administrator placing specialty and surplus lines business. As a program-market distributor operating in the same ecosystem as UNG's program administrators, it is a directly comparable channel peer.
Broad incumbents
- Markel Corporation: Markel is a large specialty insurer with significant E&S and program-administrator-sourced business across contractors, transportation, and habitational lines. It competes with UNG for the same specialty programs but operates at far larger scale and with broader product breadth.
- Tokio Marine HCC: Tokio Marine HCC is a global specialty insurance group that writes E&S and program business across multiple specialty classes including commercial auto and property. It competes with UNG on larger program deals but is a much broader, multinational platform.
- AmTrust Financial Services: AmTrust is a specialty P&C insurer with significant program-administrator-sourced business across small commercial, contractors, and specialty casualty lines. It overlaps with UNG on specialty commercial classes but at much greater scale and with broader product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
United National Group social profiles
Digital presenceUnited National Group compliance and trust
Trust signalCompliance1 record
United National Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
United National Group leadership team
Management profileNumber of profiles
United National Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
United National Group M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about United National Group
What does United National Group do?
United National Group is a specialty insurance program carrier that distributes general liability, property, professional liability, inland marine, truckers auto physical damage, and motor truck cargo coverage exclusively through select program administrators and intermediaries. The company offers non-admitted (surplus lines) coverage across all 50 states plus D.C. and operates seven named program products spanning contractors, transportation, habitational, and agricultural insurance classes.
Is United National Group a public or private company?
United National Group is a private company. It is classified as corporate owned and is currently operating.
When was United National Group founded?
United National Group was founded in 1960. It employs 1 to 10 people.
Where is United National Group based?
United National Group is headquartered in Grand Cayman, Cayman Islands.
How does United National Group make money?
Two revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are program Administration Fees.
Who are United National Group's main competitors?
Direct peers on record are Crum & Forster, James River Insurance, Kinsale Insurance, Scottsdale Insurance, Capitol Specialty Insurance, RPS (Risk Placement Services) and Burns & Wilcox. Broad incumbents are Markel Corporation, Tokio Marine HCC and AmTrust Financial Services.
Does United National Group have an API?
No public API is recorded for United National Group.
What industry is United National Group in?
United National Group's product category is Specialty Insurance Programs. Its primary akta.pro industry code is FSAJAMAE, General Liability Insurance, with a secondary code of FSAJAFAC, Large Commercial Package (National Accounts). Its NAICS code is 524126 and its SIC code is 6399.