The Universal Insurance Company Limited provides a range of non-life insurance products and services in Pakistan. It operates through four segments: Fire and Property Damage Insurance, Marine and Transport Insurance, Motor Insurance, and Others Insurance. The Fire and Property Damage Insurance segment offers coverage against damages caused by fire, riot and strikes, explosions, earthquakes, atmospheric damage, flood, electric fluctuations, and other related perils. The Marine and Transport Insurance segment provides coverage against cargo and war risk, damages occurring in inland transit, and other related perils. The Motor Insurance segment offers car coverage, indemnity against third party loss, and other related coverages. The Others Insurance segment provides coverage against burglary, loss of cash-in-safe and cash-in-transit, engineering losses, and other coverages. This segment also offers cash on counter, fidelity guarantee, personal accident, workmen compensation, contractor's all risk, erection all risk, machinery breakdown, boiler damage, and crop and health coverages. In addition, the company provides householder’s and shop owner’s insurance; and burglary and personal accident insurance. It serves businesses in the engineering, automobiles, cement, power, textile, paper, and agriculture sectors, and services and trading sectors, as well as individuals. The company was incorporated in 1958 and is headquartered in Lahore, Pakistan. The Universal Insurance Company Limited is a subsidiary of Bibojee Services (Pvt.) Limited.