The Universal Insurance Company Limited is one of the largest insurance companies in northern Pakistan and is part of the Bibojee Group of Companies. It has a presence across major cities in Pakistan with over 30 branches. The company provides various insurance services such as fire, marine, motor, health and accident insurance and has a portfolio of over 15,000 industrial and commercial clients. It maintains global reinsurance partnerships with major companies to diversify risk exposure. The company has been rated A- by JCR-VIS Credit Rating indicating a high capacity to meet policyholder obligations.