United Fire Group is a property and casualty insurer that distributes commercial lines insurance through a network of independent agencies across all 50 states, offering tailored business packages covering fire, general liability, commercial auto, workers' compensation, and surety bonds to small businesses and middle-market companies. The company generates revenue primarily through earned insurance premiums and also participates in reinsurance markets, including through Lloyd's of London syndicates. It competes in the property and casualty insurance industry by leveraging strong agency relationships, personalized service, specialized underwriting expertise, and integrated technology to differentiate itself from larger regional and national competitors.