United Business Insurance

United Business Insurance Company (UBIC) was initially formed in 1993 as a Self Insurance Fund. The Fund operated successfully for three years until the extremely competitive market forced the Fund into dormancy. As the market again hardened, the Board of Directors made the decision to reactive the fund and convert it to a mutual captive insurance company.

United Business Insurance Company recognizes the vital importance of responsive and aggressive claims management. Our claims staff is experienced in every area of workers' compensation and provides the very best claims service available. Some of these services include areas often overlooked in Workers' Compensation are subrogation and second injury fund recovery.

We encourage you to enroll in our simple automatic draft (direct debit/EFT) program. Complete the required information and email the form to dphillips@united-business.us. We will take care of the rest, and payments will begin being automatically drafted each month. This feature is only available for installment plans, it is not available if you are on monthly payroll reporting.

Have you ever underestimated payroll for a client, which resulted in a large audit balance due at the end of the policy term? We have a solution that will eliminate this problem and make your proposal more competitive. Our monthly payroll reporting (PAYGO) workers' compensation program allows your client to report their actual payrolls to us on a monthly basis.

Three to five years of the most recent and complete premium, payroll, and hard copy loss information (loss information must be valued within the last 90 days). Details of any changes to the risk that occurred within the past twelve 12 months or written confirmation that there were none. We must receive a written request to bind coverage with the desired effective date and a copy of the check on or before the requested effective date.