A
United Specialty Ins Co
Bedford,  TX
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.40
Risk Adjusted
Capital Ratio #2
3.10
Loss
Ratio
64.43%
Total
Assets
644.16M
Capital
341.14M
Net
Premiums
102.47M
Net
Income
15.94M
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
2023
11,353
9,150
20,503
44.63%
22.82%
2022
4,805
4,000
8,805
45.43%
23.10%
2021
4,510
2,735
7,245
37.75%
22.81%
2020
3,020
1,901
4,921
38.63%
21.51%
2019
4,402
2,620
7,022
37.31%
22.66%
2018
4,419
2,703
7,122
37.95%
21.92%
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
2023
791
374
1,165
32.10%
47.27%
2022
493
294
787
37.36%
45.41%
2021
558
350
908
38.55%
44.40%
2020
444
223
667
33.43%
42.42%
2019
596
390
986
39.55%
44.33%
2018
885
510
1,395
36.56%
44.16%
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
2023
126
413
539
76.62%
38.64%
2022
75
151
226
66.81%
39.39%
2021
94
174
268
64.93%
40.41%
2020
171
395
566
69.79%
48.09%
2019
252
324
576
56.25%
43.30%
2018
278
279
557
50.09%
41.13%
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
2023
475
204
679
30.04%
36.96%
2022
457
374
831
45.01%
37.08%
2021
621
714
1,335
53.48%
39.17%
2020
792
856
1,648
51.94%
35.42%
2019
1,013
768
1,781
43.12%
35.34%
2018
505
468
973
48.10%
34.35%
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
2021
1
5
6
83.33%
93.58%
2020
0
8
8
100.00%
94.02%
2019
1
23
24
95.83%
94.59%
2018
0
7
7
100.00%
94.39%
Medical Professional 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
2023
0
1
1
100.00%
92.52%
2021
1
0
1
0.00%
91.74%
2018
0
1
1
100.00%
92.98%
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
2023
20
76
96
79.17%
74.81%
2022
112
151
263
57.41%
73.22%
2021
85
102
187
54.55%
79.01%
2020
160
129
289
44.64%
80.13%
2019
39
73
112
65.18%
77.47%
2018
9
76
85
89.41%
77.10%
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
2023
753
1,505
2,258
66.65%
16.34%
2022
274
702
976
71.93%
11.13%
2021
476
2,175
2,651
82.04%
18.93%
2020
455
1,369
1,824
75.05%
20.93%
2019
788
1,040
1,828
56.89%
16.90%
2018
255
450
705
63.83%
11.94%
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
2023
343
153
496
30.85%
44.64%
2022
86
71
157
45.22%
46.15%
2021
233
56
289
19.38%
46.87%
2020
30
65
95
68.42%
43.90%
2019
7
14
21
66.67%
42.09%
2018
80
23
103
22.33%
39.60%
Product 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
2022
1
0
1
0.00%
77.84%
2021
1
0
1
0.00%
84.45%
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
2020
1
1
2
50.00%
61.51%
2019
1
1
2
50.00%
70.02%
2018
2
1
3
33.33%
70.45%
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
2023
820
98
918
10.68%
35.70%
2022
618
82
700
11.71%
37.14%
2021
718
93
811
11.47%
35.46%
2020
654
119
773
15.39%
33.86%
2019
983
181
1,164
15.55%
34.01%
2018
934
197
1,131
17.42%
32.34%