Universal Casualty

Universal Casualty

A Risk Retention Group Serving Auto Dealers, Auto Servicers and Auto Haulers.

A Risk Retention Group Serving Auto Dealers, Auto Servicers and Auto Haulers.
Auto Dealers Auto Haulers Auto Servicers



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Who we are

Universal Casualty Risk Retention Group is a federally chartered risk retention group writing auto dealers, servicers, and other automotive risks in California, Florida, Georgia, New Jersey, New York, and Texas. We aim to provide the best rates and programs to our members. We tailor rates, deductibles, and coverages and we give special attention to good loss-control. Click here to see some benefits we offer to our members.

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What we insure

As a risk retention group focused on the auto service industry, we are specifically geared toward providing products to classes of business that deal with the distribution, rental, and repair of automotive vehicles. Our target clients include new and used car dealerships, auto collision and repair shops, truck repair, muffler shops, tire shops, towing, short-term auto rental, transmission shops, auto glass shops, and auto leasing companies (if also operating as a car dealership).

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Why us

Our underwriters have an average of more than 20 years of experience writing auto dealers, auto servicers, and other similar classes. Our company specializes in loss control to keep rates as low as possible for our members. As a risk retention group, we have the flexibility to tailor the rates, deductibles, and coverage to each individual member to ensure that the insurance contract works for us, for our members, and for you.

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Knowing you're covered wherever life takes you

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About

Universal Casualty Risk Retention was founded in 2017 for the purpose of serving the Auto Service industry. We are licensed as a Risk Retention Group by the state of Oklahoma for writing liability insurance in all 50 states. We are a captive association, and policyholders are required to join the association (included in the policy premium) in order to qualify for our rates. The association and its members played a key role in forming Universal Casualty, and will continue to be involved in the future of the risk retention group to ensure that losses are controlled and all the members can continue to take advantage of our low rates.

Senior Management
Chairman, Timothy B. Derham

Derham is the Chairman for the Board of Directors. Derham has over thirty (30) years of experience in the insurance industry. He has been at the helm of UCRRG since its inception in 2016, operating the privately held federally chartered non-admitted insurance carrier within the commercial automobile sector, in the United States region. He is regarded as a prominent insurance executive across the insurance industry, known for his vast network and market knowledge for specialty niche programs. Prior he was employed with State Farm, Allstate, and Farmers. Alumnus of the Connecticut College, received a Bachelor of Arts degree majoring in Finance. Derham holds various designations including CPCU, CLU, and LUTCF.

Chief Operating Officer, Richard P. Dowd

Richard P. Dowd is an experienced insurance professional based in New York City, specializing in claims management, software initiatives, and market risk assessments.

With over 32 years of leadership experience, he previously served as Regional Vice President at Atlas Financial Holdings and held roles at Global Liberty Insurance Company and Progressive Insurance.

He is adept at implementing innovative defense strategies, including telematics and paperless claims handling, and advises on leadership development and best practices.

Chief Financial Officer, Stephen C. Mathews

Mathews is the Chief Financial Officer for UCRRG. Mathews has over thirty (30) years of experience in the financial services industry. He joined UCRRG in late 2023. Mathews is an accomplished professional with a strong pedigree with various aspects related to the insurance field. Prior he was employed with Paygevity, Alkeme, Guy Carpenter, Willis, Bank of America, etc. Alumnus of the Fordham University, received a Bachelor of Science degree majoring in Public Accounting. Alumnus of the Columbia Business School, received a Masters of Business Administration degree majoring in Finance & Economics.

Bringing rich innovation to today's commercial insurance market

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Contact Us

If you need to contact us for any reason, you can always reach us at our toll free number, 877-215-0510. If you prefer, you can fill out the form below and someone will get back to you withing 24 hours.

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Protecting your business so you can focus on running it

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Products

Commercial General Liability
Commercial Auto Liability
Non-owned Auto Liability
Contingent Auto Liability
Mechanics Errors and Omissions
Dealers Errors and Omissions
Garage Keepers' Legal Liability

Controlling losses to reduce premiums

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Get a Quote

Whom do we want as members?
  • Auto Dealers, Auto Servicers and Auto Haulers in our association who want to save money
  • Auto Dealers, Auto Servicers and Auto Haulers who are serious about loss control
  • If you are not serious about loss control we will not be able to save you money

All quoting is done through our partner MGA, Inter Insurance Agency. If you think you're a good fit, please contact newbusiness@universalcasualty.com to get a quote.