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of Contents](#i9c41be50b13d4f0186d714192577cffa_4)\n\nUNITED STATES SECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\n FORM 10-K\n\n☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2025\n\nOR\n\n☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from ______ to ______\n\nCommission File Number 001-34257\n\nUNITED FIRE GROUP, INC.\n\n(Exact name of registrant as specified in its charter)\n\nIowa 45-2302834\n\n(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)\n\n118 Second Avenue SE\n\nCedar RapidsIowa\n52401\n\n(Address of principal executive offices) (Zip Code)\n\nRegistrant's telephone number, including area code: (319) 399-5700\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of each classTrading SymbolName of each exchange on which registered\n\nCommon Stock, $0.001 par valueUFCSThe NASDAQ Global Select Market\n\nSecurities registered pursuant to Section 12(g) of the Act: None\n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☒ No ☐\n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐ No ☒\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of \"large accelerated filer,\" \"accelerated filer,\" \"smaller reporting company,\" and \"emerging growth company\" in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer\n☐\nAccelerated filer\n☒\nNon-accelerated filer\n☐\nSmaller reporting company\n☐\n\nEmerging growth company\n☐\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\nIndicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒\n\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐\n\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐ No ☒\n\nThe aggregate market value of voting stock held by non-affiliates of the registrant as of June 30, 2025 was approximately $0.69 billion. For purposes of this calculation, all directors and executive officers of the registrant are considered affiliates. As of February 17, 2026, 25,522,051 shares of common stock were outstanding.\n\n1\n\n[Table of Contents](#i9c41be50b13d4f0186d714192577cffa_4)\n\nDOCUMENTS INCORPORATED BY REFERENCE\n\nPart III of this Form 10-K incorporates by reference certain information from the registrant's definitive proxy statement to be filed with the Securities and Exchange Commission pursuant to Regulation 14A of the Securities Exchange Act of 1934, as amended, for its annual shareholder meeting to be held on May 20, 2026.\n\n2\n\n[Table of Contents](#i9c41be50b13d4f0186d714192577cffa_4)\n\nFORM 10-K TABLE OF CONTENTS\n\n Page\n\n[PART I:](#i9c41be50b13d4f0186d714192577cffa_10)\n\n  \n\n[Item 1. Business](#i9c41be50b13d4f0186d714192577cffa_13)\n\n[4](#i9c41be50b13d4f0186d714192577cffa_13)\n\n  \n\n[Item 1A. Risk Factors](#i9c41be50b13d4f0186d714192577cffa_43)\n\n[13](#i9c41be50b13d4f0186d714192577cffa_43)\n\n  \n\n[Item 1B. Unresolved Staff Comments](#i9c41be50b13d4f0186d714192577cffa_64)\n\n[21](#i9c41be50b13d4f0186d714192577cffa_64)\n\n  \n\n[Item 1C. Cybersecurity](#i9c41be50b13d4f0186d714192577cffa_67)\n\n[21](#i9c41be50b13d4f0186d714192577cffa_67)\n\n[Item 2. Properties](#i9c41be50b13d4f0186d714192577cffa_70)\n\n[22](#i9c41be50b13d4f0186d714192577cffa_70)\n\n  \n\n[Item 3. Legal Proceedings](#i9c41be50b13d4f0186d714192577cffa_73)\n\n[22](#i9c41be50b13d4f0186d714192577cffa_73)\n\n  \n\n[Item 4. Mine Safety Disclosures](#i9c41be50b13d4f0186d714192577cffa_76)\n\n[23](#i9c41be50b13d4f0186d714192577cffa_76)\n\n  \n\n[PART II:](#i9c41be50b13d4f0186d714192577cffa_79)\n\n  \n\n[Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities](#i9c41be50b13d4f0186d714192577cffa_82)\n\n[23](#i9c41be50b13d4f0186d714192577cffa_82)\n\n  \n\n[Item 6. [Reserved]](#i9c41be50b13d4f0186d714192577cffa_85)\n\n[24](#i9c41be50b13d4f0186d714192577cffa_85)\n\n  \n\n[Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations](#i9c41be50b13d4f0186d714192577cffa_88)\n\n[25](#i9c41be50b13d4f0186d714192577cffa_88)\n\n \n\n[Item 7A. Quantitative and Qualitative Disclosures About Market Risk](#i9c41be50b13d4f0186d714192577cffa_124)\n\n[56](#i9c41be50b13d4f0186d714192577cffa_124)\n\n  \n\n[Item 8. Financial Statements and Supplementary Data](#i9c41be50b13d4f0186d714192577cffa_127)\n\n[59](#i9c41be50b13d4f0186d714192577cffa_127)\n\n  \n\n[Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure](#i9c41be50b13d4f0186d714192577cffa_214)\n\n[121](#i9c41be50b13d4f0186d714192577cffa_214)\n\n  \n\n[Item 9A. Controls and Procedures](#i9c41be50b13d4f0186d714192577cffa_217)\n\n[121](#i9c41be50b13d4f0186d714192577cffa_217)\n\n  \n\n[Item 9B. Other Information](#i9c41be50b13d4f0186d714192577cffa_220)\n\n[124](#i9c41be50b13d4f0186d714192577cffa_220)\n\n[Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections](#i9c41be50b13d4f0186d714192577cffa_223)\n\n[124](#i9c41be50b13d4f0186d714192577cffa_223)\n\n  \n\n[PART III:](#i9c41be50b13d4f0186d714192577cffa_226)\n \n\n  \n\n[Item 10. Directors, Executive Officers and Corporate Governance](#i9c41be50b13d4f0186d714192577cffa_229)\n\n[124](#i9c41be50b13d4f0186d714192577cffa_229)\n\n  \n\n[Item 11. Executive Compensation](#i9c41be50b13d4f0186d714192577cffa_232)\n\n[124](#i9c41be50b13d4f0186d714192577cffa_232)\n\n  \n\n[Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters](#i9c41be50b13d4f0186d714192577cffa_235)\n\n[124](#i9c41be50b13d4f0186d714192577cffa_235)\n\n  \n\n[Item 13. Certain Relationships and Related Transactions, and Director Independence](#i9c41be50b13d4f0186d714192577cffa_238)\n\n[124](#i9c41be50b13d4f0186d714192577cffa_238)\n\n  \n\n[Item 14. Principal Accountant Fees and Services](#i9c41be50b13d4f0186d714192577cffa_241)\n\n[125](#i9c41be50b13d4f0186d714192577cffa_241)\n\n  \n\n[PART IV:](#i9c41be50b13d4f0186d714192577cffa_244)\n \n\n[Item 15. Exhibits and Financial Statement Schedules](#i9c41be50b13d4f0186d714192577cffa_247)\n\n[126](#i9c41be50b13d4f0186d714192577cffa_247)\n\n[Item 16. Form 10-K Summary](#i9c41be50b13d4f0186d714192577cffa_271)\n\n[138](#i9c41be50b13d4f0186d714192577cffa_271)\n\n[Signatures](#i9c41be50b13d4f0186d714192577cffa_274)\n\n[139](#i9c41be50b13d4f0186d714192577cffa_274)\n\n3\n\n[Table of Contents](#i9c41be50b13d4f0186d714192577cffa_4)\n\nPART I."}