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Universal Casualty

A Risk Retention Group Serving Auto Dealers, Auto Servicers and Auto Haulers.

A Risk Retention Group Serving Auto Dealers, Auto Servicers and Auto Haulers.


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Who we are

The Universal Casualty Risk Retention Group is a captive association writing auto dealers, servicers, and other automotive risks in New York, New Jersey, and Pennsylvania. We aim to provide the best rates and programs to our members. We tailor rates, deductibles, and coverages and we give special attention to good loss-control. Click here to see some benefits we offer to members.

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What we insure

As a risk retention group focused on the auto service industry, we are specifically geared toward providing products to classes of business that deal with the distribution, rental, and repair of automotive vehicles. Our target clients include new and used car dealerships, auto collision and repair shops, truck repair, muffler shops, tire shops, towing, short-term auto rental, transmission shops, auto glass shops, and auto leasing companies (if also operating as a car dealership).

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Why us

Our underwriters have an average of more than 20 years of experience writing auto dealers, auto servicers, and other similar classes. Our company specializes in loss control to keep rates as low as possible for our members. As a risk retention group, we have the flexibility to tailor the rates, deductibles, and coverage to each individual member to ensure that the insurance contract works for us, for our members, and for you.

Knowing you're covered wherever life takes you

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About

Universal Casualty Risk Retention was founded in 2017 for the purpose of serving the Auto Service industry. We are licensed as a Risk Retention Group by the state of Oklahoma for writing liability insurance in all 50 states. We are a captive association, and policyholders are required to join the association (included in the policy premium) in order to qualify for our rates. The association and its members played a key role in forming Universal Casualty, and will continue to be involved in the future of the risk retention group to ensure that losses are controlled and all the members can continue to take advantage of our low rates.

Key People
Timothy B. Derham, CEO and President

Timothy B. Derham is a senior executive with over 20 years of experience building high performing teams that have brought revenue, market share, and net income growth to start up and high growth situations. Mr. Derham began working for State Farm, learning the ins and outs of insurance by running the daily operation of the office. He then formed his own company in 1993, Inter Insurance Services, which has grown to over $30 million in premium. Timothy has earned a BA from Connecticut College and has a Master’s degree in finance from American University. Furthermore, he is CPCU, CLU, ChFC, and has both a P&C, and Life & Health license.

John S. Maloney, CFO and Treasurer

John S. Maloney is presently the owner of John S. Maloney Consulting, Inc. and John S. Maloney CPA, PC. He is a Certified Public Accountant with vast experience in the insurance industry. Prior to founding these companies, John was the Chief Financial Officer of First Commercial Group Companies from 2004-2007. Before joining First Commercial Group, John served as Chief Financial Officer and Treasurer of U.S. Agents Holding Corp. He was also the Assistant Vice President for Lancer Insurance Company from 1987 to 1997. He graduated from Siena College with a BBA in accounting and later earned his MBA from Hofstra University.

Donald A. Derham III, VP and Secretary

Donald A. Derham III is a 2015 graduate of John Paul the Great Catholic University with a B.S. in Business Administration and has been employed by the MGA the last seven years. Donald is involved in WSIA.

Bringing rich innovation to today's commercial insurance market

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Contact Us

If you need to contact us for any reason, you can always reach us at our toll free number, 877-215-0510. If you prefer, you can fill out the form below and someone will get back to you withing 24 hours.

Protecting your business so you can focus on running it

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Products

Commercial General Liability
Commercial Auto Liability
Non-owned Auto Liability
Contingent Auto Liability
Mechanics Errors and Omissions
Dealers Errors and Omissions
Garage Keepers' Legal Liability

Controlling losses to reduce premiums

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Get a Quote

Whom do we want as members?
  • Auto Dealers, Auto Servicers and Auto Haulers in our association who want to save money
  • Auto Dealers, Auto Servicers and Auto Haulers who are serious about loss control
  • If you are not serious about loss control we will not be able to save you money

All quoting is done through our partner MGA, Inter Insurance Agency. If you think you're a good fit, please contact newbusiness@universalcasualty.com to get a quote.