United Security Insurance Company

What United Security Insurance Company does

United Security Insurance Company (USIC) is a privately held regional insurance carrier founded in 1973 and headquartered in Bedford Park, Illinois, operating as a member of the Warrior Insurance Network (WIN). The company underwrites personal lines auto insurance under the Road Warrior and Road Ranger branded programs, including non-credit-rated, safe-driver, monitored-driver (telematics-based), and insurance-score-based variants tailored to non-standard and clean-record consumers across Arkansas, Illinois, Indiana, Oklahoma, and Texas. USIC is directly licensed in 9 states and has potential reach into 27 states through its WIN membership.

The company's product portfolio extends to health-related offerings including a telemedicine service ($130/year or $15/month, covering up to eight family members), dental, disability, hearing/vision, and a fixed indemnity Security Access Plan. Operations are supported by Guidewire InsuranceNow for AZ and OK producers and PTS (Policy Tracking System) for AR, IL, and IN producers, with policyholder self-service through the Warrior Mobile App and an online portal. Distribution runs primarily through independent insurance agencies, augmented by direct phone sales and online quoting via AutoRater.

USIC earns revenue through recurring insurance premiums on personal auto policies and health add-on subscriptions, supplemented by discount programs (Road Warrior, Road Ranger Monitored, Road Ranger Score). The company's strategic posture is that of a stable regional niche carrier focused on non-standard and underserved auto segments rather than a growth-stage technology disruptor; AI is used only for marketing content with mandatory human review, and there are no disclosed funding rounds, acquisitions, or leadership changes in the record.

Name

United Security Insurance Company

Legal name

United Security Insurance Company

Website

https://unitedsecurityins.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

11–50 employees

Short description

United Security Insurance Company is a privately held regional insurer founded in 1973, underwriting personal auto insurance across five Midwest and South-Central US states under the Road Warrior and Road Ranger programs, with supplemental health and telemedicine products, distributed primarily through independent agents within the Warrior Insurance Network.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Telematics-Based Insurance & Usage-Based Rating (UBI) (TLABANAK), Emergency Assistance & Case Management (Medical, Security, Evacuation) (THALALAG)

Keywords

• Personal auto insurance
• Health insurance products
• Telemedicine services
• Independent insurance agency
• Non-standard auto coverage

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Auto Insurance Premiums: Personal lines auto insurance products generating recurring premiums from policyholders. Multiple discount programs available including Road Warrior, Road Warrior Safe Driver, Road Ranger Monitored Driver, and Road Ranger Score programs.
2. Health Insurance Products: Health insurance products including telemedicine services, dental, disability, hearing/vision, and security access plans. Premium-based recurring revenue model.
3. Premium Payments: Premium payments accepted via website, mobile app, or phone (800-875-4422) 24/7.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

United Security Insurance Company (USIC) is a regional insurer founded in 1973 that sells personal lines auto insurance (Road Warrior and Road Ranger branded programs) and supplemental health insurance products including telemedicine, dental, disability, hearing/vision, and fixed indemnity plans. The company operates through independent insurance agencies in Arkansas, Illinois, Indiana, Oklahoma, and Texas, and is a member of the Warrior Insurance Network (WIN).

Product overview

United Security Insurance Company (USIC) is a regional auto and health insurance provider offering a portfolio of products across multiple states. The core auto insurance offerings include the Road Warrior and Road Ranger branded programs (standard, safe driver, monitored driver, and score-based variants) tailored to different credit profiles and driving histories. Health insurance offerings include telemedicine, dental, disability, hearing/vision, and fixed indemnity plans. Distribution is handled through independent insurance agencies and producers using internal quote/bind platforms (PTS and Guidewire InsuranceNow). Policyholder self-service is available via the Warrior Mobile App and online portal.

Differentiator

Problem solved

Functional benefit

Brands

• Warrior Mobile App: Mobile application for policyholders and producers to access services, make payments, and report claims 24/7.

Products and services

• Road Warrior Program

Quantifiable outcome

• Physician contact in under 5 minutes on average for telemedicine services
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Warrior Insurance Network (WIN)coreStrategic or Co-development PartnerUSIC is a member of Warrior Insurance Network (WIN). WIN provides the brand platform, producer portal, and mobile app infrastructure (Warrior App). WIN member companies are licensed in 27 states, expanding USIC's potential market reach beyond its direct operating footprint.
• Trusted ChoiceminorGTM or Marketing PartnerUSIC is affiliated with Trusted Choice, an independent insurance agents association that provides brand visibility and marketing support for independent insurance agencies.
• GuidewirecoreTechnology or IntegrationGuidewire InsuranceNow platform used by AZ and OK producers for quoting and binding personal auto insurance.
• PTS (Insurance Technology Solutions)coreTechnology or IntegrationPTS platform used by AR, IL, and IN producers for quoting and binding personal auto insurance.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/united-security-health-and-casualty

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Security Insurance Company