United Business Insurance Company (UBIC)

“We pride ourselves as specialists in workers’ compensation, and it’s all we do at UBIC. We’re committed to offering the highest quality services, with a personal touch from tenured industry experts,” says Joe Capers, executive manager at UBIC.

Since its inception in the early 2000s, the company has been on a mission to deliver reliable and cost-effective workers’ compensation coverage to small and midsize businesses across Georgia and other Southeast states. Embracing a philosophy of careful and conservative management, UBIC has earned a reputation for providing solutions that guarantee a secure foundation for the workforce.

“Highly cooperative and accessible client engagement, competitive pricing, and innovative technology are the pillars of our service excellence. We offer agents and policyholders better solutions to manage their workers’ comp needs from fast quote turnaround to easy bill pay options,” says Matt Harpin, director of underwriting at UBIC.

It has also received the certificate of authority from the Commissioner of Insurance, enabling the firm to handle all avenues, including in-house underwritings, claims management, loss control and safety management. In addition to operating own writing company in Georgia, UBIC also extends its service arm to other markets through carrier partners for addressing various workers' compensation needs, including those spanning multiple states or presenting hard-to-place risks that might generate excessive exposure for underwriting.

Coupled with its long-standing industry experience and professional team, UBIC is poised to help business owners navigate the current complexities in claims handling and the rising cost of workers’ comp insurance.

UBIC untangles these roadblocks with a dedicated team of claims specialists focused on offering personalized claims handling services. Its claims adjusters strategically take less caseload to deliver immediate and undivided attention to each account and injury case. Moreover, the company is synonymous with significantly lower claims closure rates, making it the perfect partner for SMBs in their workers’ comp journey.

The firm has established an exclusive safety resource center that provides its policyholders with hundreds of videos and other resources, allowing business owners to create a culture of safety in their workplace.

With continuous developments inherent in its DNA, the company has developed its proprietary workers’ comp software solution to serve the needs of broker agents and policyholders. The aim is to improve the billing payment process. It spent significant time and resources upgrading its software with an advanced billing system and other enhancements that increase self-service options, decrease manual collections and provide diverse online payment choices, including Apple Pay.

“Our advanced Portal and advance payment process make it easy to submit and receive quotes, as well as make payments through our convenient portal. If clients need to file a claim, our system will notify the claim adjuster directly, streamlining the process and ensuring that their needs are met promptly and efficiently,” says Brenda Anderson, VP of operations at UBIC.

The state-of-the-art system comes with pay-by-text, invoice email reminders, EasyPay, credit card draft options, online payroll reporting and claims reporting features. These features empower users to operate efficiently and seamlessly while ensuring compliance with industry standards.

For instance, the owner of a large restaurant group chose UBIC to consolidate their work comp coverage for all their entities into one policy. The ability to self-report payroll for each entity simplified administrations, saving the owner valuable time and allowing them to focus on the restaurant business. The firm is credited with many similar successes and attributes all its achievements to a combination of strategic vision, dedicated teamwork and a commitment to client satisfaction.

Going forward, UBIC is gearing up to expand its client base and provide cost-effective premiums for the broader business community. Holding all these capabilities, it’s not an exaggeration to say that UBIC is a one-stop shop for workers' compensation, providing policyholders with stable rates and premium savings while maintaining growth and profitability. The company is right now in its 22nd year with steady, profitable growth with an unmatched culture. Strategically located in Marietta, GA, UBIC is fast becoming the premier writer and wholesale provider in the Southeast.