Universal Shield Insurance Group offers an industry-competitive benefits package, including health insurance with a company-contributed HSA, dental insurance, vision coverage, short term disability insurance, long term disability insurance, AD&D insurance, Employee Assistance Program (EAP), and other lifestyle and family-friendly and work/life balance benefits. USIG and its insurance entities (Universal Fire & Casualty Insurance Company “UFCIC” and Shield Indemnity Incorporated “Shield”) maintain an AM Best Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a-“.