Universal Insurance Company · NAIC 31704
Where Universal Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.
Universal Insurance Company (NAIC 31704) is a property and casualty insurer domiciled in PR, part of Universal Insurance Co. Group. State regulators list it as licensed (admitted) in Florida. The U.S. Treasury lists it as a certified surety with a $43.2M underwriting limit.
By Sam Alishahi, independent insurance broker · All companies
Where it's licensed
States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Alaska, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| Florida | Admitted (licensed) | Personal auto, Earthquake, Homeowners, General liability, Commercial property (fire and allied lines) | — | Florida Office of Insurance Regulation, 2026-10-18 |
Method and source
Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval or guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.
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