Trust, Collaboration, and Security
The US MGU Legacy:
A History of Specialized Expertise
United States Managing General Underwriters (USMGU) is a national firm with a rich history of designing, implementing, and managing specialized insurance programs. We have built our reputation on a commitment to helping businesses navigate complex risk with a greater degree of control and financial stability through captive insurance. This time-tested approach to self-insurance allows a company to create its own insurance subsidiary to underwrite and manage its unique risks.
A History of Trust: Our Valued Partnerships
Our reputation is built on the trust we’ve earned through years of successful partnerships. Our long-standing relationships with leading carriers, administrators, and organizations underscore our commitment to excellence and our established position in the industry.
Carrier and Administrator Partners: National General, Nationwide Self-funded, Cigna PPO, Breckpoint (a subsidiary of Accrisure, the largest Stop Loss carrier in the United States), Gilsbar Third Party Administrators, Harmony Third Party Administrators, East West Third Party Administrators, Transparent Health, 6 Degrees Health.
Clients: Fed Ex franchise owners, Amazon ISP’s, PEO’s, Evolve Association.
Our extensive network and history of successful collaboration demonstrate our ability to provide reputable and effective solutions for our clients.
When you’re a small business owner, providing health benefits for your team isn’t just a perk—it’s a promise. You need a partner you can trust, especially when faced with the unexpected. For over 30 years, USMGU has stood by its commitments, including during the unprecedented challenges of the COVID-19 pandemic. By swiftly adapting to the crisis and ensuring claims were handled with care and efficiency, we provided our policyholders with the security and peace of mind they needed most.
Navigating the Pandemic with Confidence
The COVID-19 pandemic introduced new uncertainties for businesses and their employees. During this time, USMGU’s commitment to its policyholders was put to the test. Instead of stepping back, the company leaned forward, ensuring our claims process was resilient and responsive. We swiftly adjusted operations to handle an influx of COVID-related claims while maintaining our standard of prompt, fair, and reliable service. This dedication to our customers during a global health crisis is a powerful testament to our promise to stand by you, no matter what.
Our Role as a Managing General Underwriter (MGU)
We operate with full underwriting authority from our carrier partners, enabling us to handle critical functions such as binding policies and collecting premiums. Our strategic partnerships are a testament to our commitment to innovation and client success. For example, we’ve partnered with a trusted administrator to offer a level-funded health plan, providing smaller employers with access to the same benefits as much larger organizations.
As a managing general underwriter, US MGU has spent years refining our expertise as a crucial intermediary between our clients and licensed insurance carriers. Our deep-seated understanding of underwriting and risk management allows us to create tailored, data-based solutions that traditional insurers often cannot.
- Underwriting and binding policies
- Premium Collection
- Claims Management
