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uberrimae fidae
ultimate loss
ultimate net loss
umbrella liability policy
unaffiliated business
unallocated benefit
unallocated loss adjustment expenses (ULAE)
unauthorized insurer
unbundling
unconditional settlement clause
underground property damage
underinsurance
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underwriting
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underwriting manager
underwriting member
underwriting period
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underwriting year experience
undue hardship
unearned premium (UEP)
unearned premium reserve
unearned reinsurance premium
unfunded retention
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Unified Carrier Registration Agreement (UCRA)
Uniformed Services Employment and Reemployment Rights Act (USERRA) of 1994
uniform resource locator (URL)
Uniform Task Based Management System (UTBMS)
unilateral contract
unilateral extended reporting period provision
unimpaired surplus
uninsured motorist (UM) coverage
unit statistical card
universal life insurance
unplanned retention
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unusual expenses
upset coverage
URL
use and occupancy insurance
U.S. Longshore and Harbor Workers Compensation Act
utility service interruption coverage
utilization review
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underwriting class

All risks with a specified risk profile, e.g., age, location, and occupation. Risks are classified using characteristics likely to produce the same or similar loss experience for each risk over time.
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