UPAC provides financing for small businesses across the United States, financing principally commercial property and casualty insurance premiums for policyholders. We operate independently of any insurance carrier through a network of nearly 3,000 "Main Street America" insurance agencies and brokers across the country, and pride ourselves on innovation, flexibility and responsiveness. Old-Fashioned Service with Leading-Edge Technology sets us apart from others to provide insurance agencies with industry leading service and ease-of-use for insurance financing. Our Midwestern service center draws friendly people with a desire to serve our customers. Our experienced Regional Vice Presidents across the country are strategically located to serve as your advocates.

UPAC is a pioneer in bringing efficiencies to the premium finance business. We are first to bring many new conveniences to premium finance including check-by-fax, check-by-Web, check-by-phone, email activity reports, interactive Internet software, electronic drafts, electronic finance agreements, and electronic signatures.

UPAC’s industry-leading web site provides access to complete real-time account history, on-line payments and electronic premium finance agreements, including electronic signatures. As the most fully automated premium financing alternative available, our services are the easiest and most efficient to use. You can see an Overview or a take a self-guided tour of UPAC’s technology on this web site.

UPAC is a member of the National Premium Finance Association (NPFA), an associate member of National Association of Professional Surplus Lines Offices, Ltd. (NAPSLO), American Association of Managing General Agents (AAMGA), and Professional Liability Underwriting Society (PLUS), and UPAC associates participate in the National Association of Insurance Women (NAIW), ACORD and High-TECC (sponsored by The Automated Agency Report).