Reinsurance Program

We’re prepared to Keep the Promise® and see you through whatever the next storm season brings.


More Protection. Better Financial Stability. Greater Peace Of Mind. 

UPC’s catastrophe reinsurance program is structured to offer unique protection for both severity and frequency—in other words, it is built to protect against both very large storms and multiple storms in the same year. We purchase over $3 billion of reinsurance, making us one of the largest purchasers of U.S. property catastrophe reinsurance in the world. Since 1900, there has never been a hurricane event or season that would have exhausted more than 55% of our reinsurance coverage.

We’re Prepared for Tomorrow. The Rest is History.

Our extraordinarily strong and unique cascading coverage reinsurance plan protects against a one-in-more-than-400 year event—plus single and multiple-named storm seasons. See how our reinsurance program compares to historical events below. 


1 2004: Charley, Frances, Jeanne, Ivan, Alex, Gaston
2 2005: Wilma, Katrina, Dennis, Ophelia, Cindy, Emily, Rita