About UFG
Trusted insurance solutions since 1946
UFG Insurance was founded on a belief that the insurance business is a people business — a principle that still anchors us today.
With a geographic presence from coast to coast, UFG is here for you with deep underwriting expertise and specialized capabilities to meet the evolving needs of business owners. Underpinning our commitment to customers is a dedication to service that exceeds expectations and an emphasis on personal relationships that can be hard to find in today’s fast-paced world.
We’re proud to provide insurance solutions from UFG headquarters in Iowa and office locations in Arizona, California, Colorado, New Jersey and Texas. Our products are available exclusively through a select group of approximately 850 independent insurance agencies and brokers across the United States. Learn about our legacy.
Turn to UFG for:
- Commercial insurance in 32 states through business units of:
- Middle market
- Construction
- Small business
- Excess and surplus lines and surety bonds in 50 states plus Washington D.C. through business units of:
- UFG Specialty
- UFG Surety
- Reinsurance that spans the globe through the alternative distribution unit
UFG welcomes independent insurance agents to explore a rewarding partnership with us.
Discover our cornerstones
Corporate responsibility
At UFG, our purpose is rooted in deeper responsibilities than ink reflects on paper. The promises we strive to keep in the business world parallel those we pledge to our communities, employees and environment.
DE&I
We aim to foster a culture of belonging, where everyone is welcome, respected and appreciated. That commitment is reinforced through a variety of DE&I initiatives.
UFG Foundation
The private foundation of UFG Insurance has put profits to work for a higher purpose since 1999, building upon our mission’s promise of community support.
Vision, mission, values
At our fundamental core is a vision that inspires us, a mission that motivates us and a strong set of values that defines us.Go Beyond award
Each year, UFG proudly celebrates an employee and agency partner who goes above and beyond in community service.
Erica Bergfeld-Reed
Nick Killoran
UFG Insurance Blog
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UFG news
Stay up to date on press releases and corporate news stories from across UFG.
United Fire Group, Inc. reports first quarter 2026 results
First quarter net income of $1.15 per diluted share
and adjusted operating income of $1.16 per diluted share
First quarter 2026 highlights compared to first quarter 2025, unless otherwise noted:(1)
- Net income increased $12.4 million to $30.1 million.
- Net investment income increased 15% to $27.0 million.
- Combined ratio improved 3.8 points to 95.6%; composed of an underlying loss ratio of 57.0%, catastrophe loss ratio of 3.7%, no prior year reserve development, and underwriting expense ratio of 34.9%.
- Underlying combined ratio improved 2.5 points to 91.9%.
- Net written premium(2) increased 12% to $376.9 million.
- Book value per share increased $0.18 to $37.06 as of March 31, 2026, compared to December 31, 2025.
- Adjusted book value per share increased $0.74 to $38.61 as of March 31, 2026, compared to December 31, 2025.
- Return on equity was 12.7% as of March 31, 2026.
Net written premium grew 12% in the first quarter, driven by growth in the company's core commercial business and lower ceded reinsurance premiums. The combined ratio improved 3.8 points to 95.6% with a notable reduction in the expense ratio and lower catastrophe losses compared to the prior period. Prior year reserve development remained neutral overall and investment income increased 15% to $27.0 million.
“UFG is off to a terrific start in 2026, achieving record net written premium, improved underwriting profitability and higher investment income in the first quarter,” said UFG President and CEO Kevin Leidwinger. “These achievements contributed to a return on equity of approximately 13% and the highest first quarter earnings per share in seven years, reflecting continued positive momentum from the transformative actions we have taken to position the company for long-term success.
“As we begin UFG’s 80th year in business, we are well positioned to navigate the complexities of an evolving market through the ongoing strategic execution of our business plan. We remain focused on profitably growing our business as a disciplined, solution-oriented underwriting company, leveraging our deepened expertise and expanded capabilities to more broadly serve our distribution partners.”
View the full release here.
(1) Underlying loss ratio, underlying combined ratio and adjusted book value per share are non-GAAP financial measures. See Definitions of non-GAAP information and reconciliations to comparable GAAP measures for additional information.
(2) Net written premium is a performance measure reflecting the amount charged for insurance policy contracts issued and recognized on an annualized basis at the effective date of the policy. See Certain performance measures for additional information.