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Universal Insurance Company, located in Winston-Salem, North Carolina, is principally a provider of private passenger automobile insurance in North Carolina and Georgia. We offer excellent customer service and competitive pricing to those who may find it difficult to obtain personal automobile insurance as a result of their driving history or because of the type of automobile they drive. Universal also provides commercial property and liability insurance to small contractors and business owners, as well as commercial vehicle insurance policies on a variety of trucks and automobiles used in business. All Universal products are proudly marketed and sold solely through independent agents. Universal believes that the independent agency distribution system is the most professional way to evaluate and meet our customers' needs. We are committed to delivering high-quality insurance products with fair, fast and courteous policyholder and claim services. Universal's parent company, The Seibels Bruce Group, Inc., was established in 1869 and offers an array of insurance products and services through its member companies.