UFCIC provides commercial property insurance for a wide variety of businesses, structures, and occupancies. We will generally accept insurance applications for property coverage for any class of business acceptable with our specific risk class identification and general appetite guide. One unique feature of our criteria is that we use an expanded definition of location to make all property risk the same location, regardless of distance between buildings, and that does not have a public thoroughfare between and segregating the respective buildings to be insured. Buildings must be well maintained, of sound construction, and it must be clear that building owners take pride in managing and maintaining their properties. With regards to externalities, UFCIC also has some specific criteria and limitations with regards to wind, hail, tornado, convection storm, wildfire, sinkhole, crime and other similar events and conditions.