Universal Fire & Casualty Insurance Company (UFCIC) currently underwrites commercial property, general liability, business owner’s package (BOP), commercial multi-peril (CMP), and inland marine products. UFCIC targets those risks that are managed in such a way that they deserve to qualify for, and enjoy, the additional advantages in security and coverage offered by an admitted product. While the surplus market, as a last resort channel, can provide a reduced coverage form at a higher price to profitably underwrite risks declined by the admitted market, UFCIC turns this dynamic upside down. Via a higher standard of acceptance, expert underwriting rules, advanced analytics, and external data sources to supplement standard risk information, the majority of UFCIC’s target business can “graduate” from the surplus lines and be provided with a superior coverage form in the admitted marketplace. While many admitted insurers’ risk appetites ebb and flow in tandem and find themselves chasing the same risks based on price, UFCIC’s target is that overlooked small well managed business that is stable, has consistent operations, has proven concern with risk management, a demonstrated ability to finance and maintain its operations, and has management and ownership with experience and quality of character. UFCIC’s risk selection and underwriting process is rigorous and facilitated by cutting-edge technology that our distributors use via a web-based portal to rate, quote, bind, and issue the policy through an approval process overseen by complex business rules, automation, and overseen by state-of-the-art artificial intelligence, Big Data, and underwriter assisted processes.