United Insurance Company Limited has been serving clients for over 50 years. UIC’s original decision in choosing Bermuda was prophetic. Since United established its presence in 1963 Bermuda has been recognized as the domicile of choice for the world’s offshore insurance business.

UIC had its beginnings in the printing industry where employers were seeking a way to establish a program offering strike insurance for those printers seeking to protect their companies from the effects of work stopages by labor unions.

UIC designed a successful unique strike insurance program, and UIC has continued to create unique programs that are tailored to specific needs. One of the first Employee Practices Liability Insurance programs in the Unites States was developed by United for its printer customers.

After years of creating new innovative products, UIC established the means for an individual company to create its own captive insurance company. United has developed a unique combination of capabilities in the captive insurance market. In concert with its affiliate, Independent Management Ltd., United has the ability to offer design and implementation assistance in creating a captive or rent-a-captive facility. The captive concept has become so popular that a large portion of the insurance market is handled through captive companies.

As United has grown and prospered, so has Bermuda’s insurance business. Behind this success is its “five star” global rating as a high quality financial and economic center, a politically stable government and a highly developed and sophisticated insurance and regulatory infrastructure.

Thriving in this environment, United has substantial capital and surplus available to meet its insurance obligations and invest in development of future products and services to meet the needs of its clients. 


Chairman & President

Mr. Spurling received his early education at St. George’s Grammar School in Bermuda, continuing through Grade 13 matriculation at Ridley College, St. Catharines, Ontario, Canada. He received a B.A. degree in Business Administration and Masters degree in Business Administration from College of William & Mary, Williamsburg, Virginia, USA. He obtained a B.A. degree in Law from Trinity College, Oxford University, U.K. He attained the English Bar qualification from The Council of Legal Education, London, England and was called to the English bar in 1976 and the Bermuda Bar in 1977. 

Mr. Spurling retired in 2005 as the Senior Partner of a major Bermuda law firm where he specialized in the practice of Corporate and Commercial Law with an emphasis on Insurance/Reinsurance Law. 

He has held many positions in church, civic, business and government organizations including election as Member of the Bermuda Parliament in which he served as the Government Whip.  He is an Honorary Life Trustee of BIOS, having served as a trustee for 20 years. He is a founder and President of St David's Island Historical Society and a founder and past Chairman of the Bermuda Pilot Gig Club and a trustee and past President of the St Georges Foundation. He was awarded the Queens Badge of Honour by Her Majesty Queen Elizabeth for exceptional public service and charitable work as well as the Clipper Award from the Bermuda National Trust "For contributions to and unwavering support of St Georges & St David's and championing their preservation".

Mr. Spurling is a director of BF&M Limited, a public company and Chairman of their Executive Committee. He also serves as a director of a number of private companies including another substantial Class 3A insurer in Bermuda and a trustee of two substantial Bermuda family trusts.

He is currently a member of Mid-Ocean Club, Royal Bermuda Yacht Club and Coral Beach Club.

U.S. General Counsel

Maura Molloy Grant was educated at Providence College in Rhode Island (USA), where she received her B.A., followed by The Catholic University, Columbus School of Law, in Washington, DC, where she earned her J.D. Ms. Grant also attended University College Dublin (UCD), Ireland. She was admitted to the New York State Bar in 2002 and the Washington, DC Bar in 2003.


Ms. Grant began her career litigating in the areas of labor and employment law, general corporate law and real estate and construction law, where primarily she represented plaintiffs and employees. In 2009, Ms. Grant joined Hanson & Molloy to practice with J. Dennis Molloy in representing large and small companies, trade associations, and historical societies on the management side, in a range of labor, employment, insurance and reinsurance law issues and offshore corporation formation and insurance law.


In 2017, Ms. Grant became the managing partner of Hanson & Molloy, PLLC, the Washington, DC law firm that succeeded the late Mr. Molloy and Hanson & Molloy. Founded in 1932, the Hanson firm first was led by Arthur B. "Tim" Hanson (Maj. Gen. USMCR) who founded several insurance companies in Bermuda which continue to insure risks for members of U.S. trade associations and for U.S. corporations. From 1989 to 2017, Mr. Molloy led the firm advising clients in the U.S. and Bermuda as the U.S. insurance industry evolved. Ms. Grant continues to advise the firm’s Bermuda clients regarding U.S. insurance and reinsurance law and labor and employment law. Ms. Grant also represents U.S.-based clients in corporate and commercial law and not-for-profit law.

Ms. Grant is also a Director of United Insurance Company Limited and sits on the Boards of Bermuda-based companies affiliated with UIC. Ms. Grant also sits on the Strategic Planning Committee of the School Advisory Board at Holy Redeemer School in Kensington, Maryland. Ms. Grant maintains memberships in both the New York State Bar Association and the DC Bar.


Stephen Kempe was educated in Bermuda at Saltus Grammar School and Warwick Academy, and in London, England at the London School of Foreign Trade.

During the course of thirty-five years he held various positions at the Bank N. T. Butterfield & Son Ltd., retiring in 1997 as Executive Vice President - International.

Mr. Kempe is currently President of Admiral Management Services Limited, a company providing management services to local and international clients located in Bermuda. He is a director of a number of other private client companies.

Mr. Kempe is a member of Royal Bermuda Yacht Club and Coral Beach & Tennis Club in Bermuda.


George Grigaitis moved to Canada from his native Lithuania, earning a B.A. in Economics from York University in Toronto and C.I.M. (Canadian Industrial Management Certificate) from University of Toronto. 

Mr. Grigaitis was previously a principal Owner of a number of successful printing companies in Manitoba and Ontario, Canada. He is currently President and owner of Gricorp Ltd. a Canadian controlled private investment corporation incorporated in Alberta, Canada, and Chairman of Insign Ltd., a sign manufacturing company in Winnipeg, Manitoba.


Paget Wharton began his career with Bermuda Press Ltd. as an apprentice at age 15. He held increasingly important positions as Production Manager and General Manager and previously held the highest position in the company as Managing Director. He worked at Bermuda Press for almost 50 years.  He was also President of Engravers Limited. During his career Mr. Wharton has undertaken several certification and professional development programs and has received training in business planning, finance and strategic management from the National Association of Printers and Lithographers (USA). Mr. Wharton currently works as an accounts representative at Medical House Limited.


Mr. Wharton devotes much time and energy to civic and charitable organizations. He was a long standing board member and was a Chairperson of Age Concern Bermuda and previously served on their Executive and Fundraising Committees. He has served as a director of King Edward Memorial Hospital and Chairman of their Finance Committee.


Mr. Wharton was instrumental in the development of the National Training Board. He has served as a director of the Employer’s Council and as Chairman of the Apprenticeship and Training Council and has served as an ex-officio Director of The Bermuda College and previously served as interim Chairperson for the Bermuda Underwater Exploration Institute. His philanthropy is well known among Bermuda’s community organizations and charities in need of printed materials.

Consultant to the Company

Rick Betterley is an independent insurance consultant to UIC since 1994, advising in the development and pricing of captive insurance solutions for its customers. A consultant since 1975, he is the President of Betterley Risk Consultants, Inc. of Friendship Maine.

He works with organizations that are considering the use of captive insurance as a long-term risk financing strategy, as well as with those that currently use captives and would like to review their performance and direction.

Rick has guided captive insurance owners since 1985, utilizing various captive domiciles including Bermuda.

Mr. Betterley is a frequent speaker on insurance and risk management at industry conferences such as PLUS and RIMS. He is also the author of numerous insurance industry research studies, including EPLI Market Survey and Private Company Management Liability Market Survey.

He is a graduate of Bates College, a Licensed Insurance Advisor, and a member of PLUS.