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About Our Agency

Universal Group, LTD. provides comprehensive insurance options.

We are your trusted independent insurance agency.

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Your family, your business, and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

Traditional values with a modern twist.

Though our name has changed over the years, Universal Group’s goal remains the same—to educate our clients on their insurance needs. We aim to make obtaining and interacting with insurance coverage highly convenient and provide customers the power of choice from top-rated national and regional insurance carrier partners.

Expanded coverage to serve our clients best.

Universal Group is an independent insurance agency, brokerage, and consulting firm. Since 1889, our agency has offered insurance products and services to clients from our office in West Omaha, NE, and now serves all 50 states with a focus in Nebraska, Iowa, Tennessee, Arizona, Wyoming, Alabama, and South Carolina within five additional office locations in Phoenix, AZ, Gallatin, TN, Sheridan, WY, Montgomery, AL, and Wagener, SC..

A relationship that’s focused on your needs.

Our insurance advisors make it their business to understand your world inside and out. They are there to help you through all the changes in your life and your business. Whether you’re going from renting an apartment to buying a home, adding a partner to your business, getting married, renovating your home, adding a teen driver to your auto policy, or revamping your employee benefits plan, we are here for you.

130 years
in business
states served
office locations
About - Team at Universal Group, LTD Portrait in the Office at Omaha, NE

West Omaha, NE Office

Our Agency History

Formerly known as Loring & Company, Universal Group, LTD. continues its operations as an independent insurance agency, brokerage, and consulting firm. With an Omaha, NE legacy dating back to 1889, the agency remains individually-owned and operated to this day.

About - Team at Universal Group, LTD Portrait in the Office at Omaha, NE

West Omaha, NE Office

Dan Loring entered the business in 1967, preceded by Dan Loring, Sr., who handled insurance for clients in Omaha, NE, beginning in 1946. The Loring family established a trusted name in Nebraska and Iowa for almost three decades before the agency was purchased in July of 2013 by Daniel R. Headlee.

Since its inception, Daniel has worked tirelessly to maintain Universal Group’s reputation and the golden standard of risk management the Loring family created. Headlee went into the purchase of Loring & Company with 22 years of experience in the insurance and risk management, and saw the opportunity to take an already reputable and trusted company, and foster its growth.

Why Go Independent?Meet Our Team
About Our Agency - Group of Team Members From Universal Group, LTD. Meeting in the Conference Room of Their Office

Get Started Today

As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • Personalized insurance solutions.
  • Friendly, knowledgeable service.
  • Building trusted relationships.
Find Out How

Get the power of choice when it comes to finding the right insurance for your situation. We offer a wide variety of policies and price points to choose from.


Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.


Count on us to be there for you every step of the way with personable and professional service so you always have the right coverage for your insurance needs.

Insurance Solutions We Specialize In

We specialize in a variety of coverage options to meet your unique insurance needs.

Our Core Values

Guiding principles that form the foundation of our business and on which we perform and conduct ourselves.

Honor Your Word
Serve Others
Learn and Grow
Positive Thinking
Our Mission Statement

Our dedicated team is committed to creating a unique experience by putting our diverse portfolio of services to work for you—allowing you to rest easy knowing your partner is here to protect, nurture, and build your business. As independent brokers with access to an impressive portfolio of carriers, our brokers partner with experts to minimize your risks and maximize your assets. Universal Group prides itself on being recognized as influencers in the industry by attracting talent from diverse backgrounds creating a culture that fosters growth and provides the best results for their customers.

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