B
United Fire & Indemnity Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.35
Risk Adjusted
Capital Ratio #2
0.91
Loss
Ratio
63.68%
Total
Assets
71.70M
Capital
22.52M
Net
Premiums
13.50M
Net
Income
858.07K
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
58
28
86
32.56%
23.31%
2023
31
64
95
67.37%
22.83%
2022
64
32
96
33.33%
23.10%
2021
90
40
130
30.77%
22.81%
2020
231
77
308
25.00%
21.51%
2019
265
107
372
28.76%
22.66%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
29
17
46
36.96%
47.45%
2023
18
32
50
64.00%
47.29%
2022
33
17
50
34.00%
45.44%
2021
43
19
62
30.65%
44.40%
2020
112
46
158
29.11%
42.45%
2019
158
79
237
33.33%
44.33%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
8
5
13
38.46%
41.74%
2023
5
9
14
64.29%
38.64%
2022
10
5
15
33.33%
39.39%
2021
13
7
20
35.00%
40.41%
2020
26
39
65
60.00%
48.09%
2019
27
24
51
47.06%
43.30%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
0
0
0
0.00%
39.58%
2023
0
0
0
0.00%
36.96%
2022
1
0
1
0.00%
37.07%
2021
17
5
22
22.73%
39.17%
2020
83
53
136
38.97%
35.42%
2019
37
28
65
43.08%
35.34%
Medical Professional Liability (Claims Made)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
0
0
0
0.00%
96.09%
2023
0
0
0
0.00%
95.22%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
0
0
0
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
8
8
16
50.00%
12.32%
2023
11
9
20
45.00%
16.34%
2022
10
9
19
47.37%
11.13%
2021
12
9
21
42.86%
18.93%
2020
30
18
48
37.50%
20.93%
2019
36
24
60
40.00%
16.90%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
0
0
0
0.00%
45.22%
2021
3
2
5
40.00%
46.87%
2020
20
9
29
31.03%
43.90%
2019
26
13
39
33.33%
42.09%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
2
2
4
50.00%
63.97%
2023
2
3
5
60.00%
62.55%
2022
3
2
5
40.00%
56.52%
2021
4
2
6
33.33%
62.74%
2020
6
3
9
33.33%
61.51%
2019
9
6
15
40.00%
70.02%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
11
3
14
21.43%
35.33%
2023
3
10
13
76.92%
35.67%
2022
11
3
14
21.43%
37.14%
2021
16
5
21
23.81%
35.46%
2020
38
11
49
22.45%
33.86%
2019
43
18
61
29.51%
34.01%