Universal Insurance Holdings Inc..
UVE.US | Non-life insurance
Universal Insurance Holdings, Inc. is a holding company operating through its subsidiaries, primarily focused on property and casualty insurance. The company provides a range of insurance products and services, including homeowners insurance, flood insurance, and other related coverage. Universal In...Show More
Better Health for All
0
No evidence was found in the provided articles that directly addresses the company's impact on 'Better Health for All' according to the specific KPIs and the value's definition. The information available pertains to the company's green power use and reduction of air pollution and emissions, which falls under 'environmental pollution control' and is explicitly excluded from this value category.
Fair Money & Economic Opportunity
-30
Universal Property & Casualty Insurance Co. settled a suit and paid a $4 million fine
1
, with a total payment of $6.5 million including attorney fees
2
, after being accused of backdating Hurricane Irma claims from 2017
3
to increase reimbursement from the Florida Hurricane Catastrophe Fund.
4
This action was investigated by the Florida Attorney General's office.
5
The company also partnered with Junior Achievement of South Florida to provide financial literacy and career exploration opportunities to students.
6
Additionally, it invested $100,000 in partnership with United Way of Broward County for community impact and housing initiatives.
7
Fair Pay & Worker Respect
50
Universal Insurance Holdings provides 100% full healthcare premium coverage for employees and their spouses.
1
This includes premiere dental and vision insurance options, prescription discounts, employer-paid short-term disability, life insurance, and AD&D for all full-time eligible employees.
2
Additional benefits include Teladoc access, an Employee Assistance Program, and subsidized ClassPass memberships.
3
The company also offers a 401(k) program with an immediately vested 100% match up to 5% of an employee's pay, and reimburses employees for industry licensing costs.
4
The company achieved an 86% positive rating in the 'Is Universal Insurance Holdings a Great Place to Work?' statement question, significantly higher than the 59% average for typical U.S.-based companies.
5
It has been Great Place to Work certified for three consecutive years since 2021.
6
Fair Trade & Ethical Sourcing
0
Universal Insurance Holdings Inc. operates as an insurance holding company, primarily providing property and casualty insurance services.
1
As such, the company does not procure or trade physical commodities, nor does it have a supply chain that involves raw materials or manufacturing processes.
2
Consequently, KPIs related to fair-trade certifications, supplier audits for physical goods, exposure to upstream labor practices, supply chain traceability for materials, remediation of sourcing violations, ethical sourcing clauses for physical inputs, and high-risk material spend are not applicable to its operations.
3
No evidence was provided regarding supplier diversity spend, leading to its omission.
4
Honest & Fair Business
-20
Universal Insurance Holdings Inc. has a formal whistleblower policy, revised in October 2018, which includes an anonymous reporting hotline managed by an independent third-party contractor, mail submission options, and explicit protection against retaliation for good-faith reporting of accounting, auditing, and code of conduct matters.
1
However, there is no evidence of independent investigation processes for these reports. According to Sustainalytics, the company has an ESG Controversy Score of 0.9
2
and a Controversy Level of 'None' as of July 2025.
3
The company's 2018 Code of Business Conduct and Ethics emphasizes compliance with the Foreign Corrupt Practices Act (FCPA) and prohibits payments to foreign officials for improper advantage, but details on training frequency or effectiveness metrics are not provided.
4
Kind to Animals
0
Universal Insurance Holdings, Inc. operates as an insurance company, a service-oriented business. Its core business model does not involve animal testing, animal-derived products, animal agriculture, or animal-related operations. Sustainalytics confirms the company conducts no animal testing.
1
Therefore, all animal welfare KPIs related to products, testing, or agriculture are not applicable. While employees participated in an Everglades cleanup, removing over 1,500 pounds of trash,
2
the provided evidence does not include measurable biodiversity impact or species recovery metrics required for scoring the wildlife conservation impact KPI.
No War, No Weapons
0
The provided articles focus solely on Universal Insurance Holdings Inc.'s financial performance, including total shareholder returns, earnings per share growth, and share price performance, as well as general mission and vision statements related to insurance services
1
,
2
,
3
. The 3-year TSR is 136%
4
. The 1-year TSR is 44%
5
. Earnings Per Share (EPS) Growth is 86% per year over three years
6
. The share price performance shows a 106% increase in the last three years, and a 21% increase in the last quarter
7
. There was a 6.4% decrease this week
8
. The broader market has been positive (up 25% in 90 days)
9
. The Price-to-Earnings Ratio (P/E) is 10.95
10
. No data or information relevant to the 'No War, No Weapons' ethical value, or any of the specific KPIs within this rubric, was found
11
,
12
,
13
.
Planet-Friendly Business
-70
Universal Insurance Holdings Inc. does not report carbon emissions data, nor does it have specified reduction targets or climate pledges.
1
The company is not participating in any tracked climate action initiatives, indicating an absence of SBTi-validated science-based carbon reduction targets.
2
Furthermore, no net-zero carbon target year has been declared.
3
Respect for Cultures & Communities
0
Universal Insurance Holdings Inc. made a $100,000 investment in the Parc View Townhomes project through a partnership with United Way of Broward County.
1
No other information regarding respect for cultures and communities is provided.
Safe & Smart Tech
-30
The company's privacy statement indicates that users have the ability to limit some data sharing, but not all, suggesting basic data control options with significant limitations.
1
The company also states its compliance with federal and state privacy laws, which aligns with a standard industry approach to regulatory compliance.
2
Zero Waste & Sustainable Products
-40
The company has implemented two waste reduction initiatives: reducing plastic waste through water filtration systems, which results in 200,000 fewer plastic bottles per year, and transitioning policyholders to paperless options.
1