From insurance products to claims management and everything in between, UVE is a leading holding company of property and casualty insurance and value-added insurance services.

The UVE Value Chain

Protection Solutions

UVE, through it’s primary insurance company subsidiaries are proven leaders, particularly under harsh conditions, taking a disciplined approach to writing policies. These units seek to consistently produce an underwriting profit, to maintain a conservative balance sheet for years in which UVE is not able to achieve an underwriting profit and to generate investment income.

Assurance Systems

UVE’s service company subsidiaries provide critical support to our primary insurance companies, generating operational efficiencies as well as inversely-correlated fee income.

Products
Pricing / Underwriting
Distribution
Policy administration / back office
Claims
Risk Management

Capabilities

Insurance Coverage
Insurance Products

UVE’s primary insurance company subsidiaries (The “Insurance Entities”), Universal Property and Casualty Insurance Company (UPCIC) and American Platinum Property and Casualty Insurance Company (APPCIC), provide insurance for personal residential: homeowners, renters/tenants, condo unit owners, and other related coverages. In addition to the above coverages, APPCIC also writes to a much lesser degree, commercial residential multi-peril insurance.

Risk Consulting
Claims Management

Our subsidiary, Alder Adjusting (“AA”, formerly Universal Adjusting Corporation), manages our claims processing and adjustment functions from claim inception to conclusion for our Insurance Entities

Risk Consulting
Risk Management

Evolution Risk Advisors (ERA) is the managing general agent (MGA) for UVE’s Insurance Entities, and advises on actuarial, distribution, claims payment and policy administration, underwriting, and assists with reinsurance negotiations. Our subsidiary, Wicklow Inspection Corporation, supports ERA by conducting inspections as part of our underwriting process

Reinsurance
Reinsurance

In conjunction with ERA, our fully-licensed reinsurance intermediary, Blue Atlantic Reinsurance Corporation (“BARC”), partners with third-party reinsurance brokers to place and manage its reinsurance program for the Insurance Entities.

Distribution
Distribution

UVE’s extensive distribution network includes: a network of over 9,000 independent agents, UVE’s in-house agents supported by Evolution Risk Advisors and online distribution channels, including Clovered, UVE’s direct-to-consumer platform.

Data Intelligence
Data Intelligence

UVE’s continuous improvement in the digital age is a key component of the company’s strength. From UVE’s technology-enabled distribution platform to our streamlined claims management, UVE embraces technology across every step of the value chain.