• commercial insurance

    For over 25 years, we have proven our value to our clients...

    …helping them protect their business through a number of innovative insurance and risk management strategies.

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  • personal insurance

    As a full service agency, UBI is not just for businesses.

    We can also offer the same highly rated carriers for your personal insurance.

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  • employee benefit solutions

    Employee Benefit Solutions

    At Universal Business Insurance, we offer world class employee benefits with a personal touch.

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Universal Business Insurance

At UBI, our unique approach looks at controlling premiums and risk through the management of exposures and insurance programs. Our goal is to achieve a long term relationship focused on bringing value to you and your company.  We begin taking you Beyond Insurance with the desire to understand your business.  As we gain insight into the scope of your operations, we are able to effectively identify your exposures, develop strategies, implement programs, and monitor your plan. We promise to collaborate with you to identify activities that drive claim frequency and severity, assess coverage needs for all exposures unique and otherwise, and to provide solutions, all the while being mindful of your risk management expenditures and bottom line.

Our Risk Architects’ innovative approach is to discover and understand the opportunities and risk issues that support your company’s health, safety and success.


Step 1 – Identify Exposures

During the crucial initial phase, we will invest the time to understand and identify your unique exposures.  We will then analyze the exposures to help determine the appropriate solution and coverages to contain your unique risk.

Step 2 – Develop Strategies

Our team then develops and presents a custom strategy. Once we have developed a thorough understanding of your business, including your industry, corporate culture and operating procedures, we are ready to move Beyond Insurance, exploring a spectrum of proven alternative strategies to minimize risk and reduce insurance costs.

Step 3 – Implement Programs

During the implementation process, we put in place specifically tailored programs and strategies designed to protect your assets while reducing insurance costs.  A strong belief in our process motivates underwriters to become familiar with your operations and to take advantage of insurance credits on your behalf.

Step 4 – Monitor Plan

You and your business are dynamic; what works for you today might not work as well tomorrow. For this reason, we will continue to monitor and adjust your risk programs to assure a perfect fit as your business evolves and changes. This is where our comprehensive understanding of your business will translate into a safe workplace, thus becoming more profitable and enabling us to precisely tailor your protection.