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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ReinsurancePayable" xlink:label="us-gaap_ReinsurancePayable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReinsurancePayable" xlink:to="us-gaap_ReinsurancePayable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ReinsurancePayable_lbl" xml:lang="en-US">Reinsurance payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReinsurancePayable_lbl" xml:lang="en-US">Reinsurance Payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccruedIncomeTaxes" xlink:label="us-gaap_AccruedIncomeTaxes" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedIncomeTaxes" xlink:to="us-gaap_AccruedIncomeTaxes_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AccruedIncomeTaxes_lbl" xml:lang="en-US">Income taxes payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccruedIncomeTaxes_lbl" xml:lang="en-US">Accrued Income Taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:label="us-gaap_DividendsPayableCurrentAndNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:to="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" xml:lang="en-US">Dividends payable to shareholders</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" xml:lang="en-US">Dividends Payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Other liabilities and accrued expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Other Accrued Liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermDebt" xlink:label="us-gaap_LongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Long-term Debt</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="us-gaap_CommitmentsAndContingencies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and Contingencies (Note 11)</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="us-gaap_StockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">STOCKHOLDERS' EQUITY:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">Stockholders' Equity Attributable to Parent [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="us-gaap_PreferredStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValue" xlink:to="us-gaap_PreferredStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred Stock, Value, Issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Cumulative convertible preferred stock, $.01 par value; Authorized shares -1,000; Issued shares -108; Outstanding shares -108; Minimum liquidation preference, $2.66 per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Cumulative convertible preferred stock, par value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="us-gaap_PreferredStockSharesAuthorized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Preferred Stock, Shares Authorized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Cumulative convertible preferred stock, shares authorized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="us-gaap_PreferredStockSharesIssued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesIssued" xlink:to="us-gaap_PreferredStockSharesIssued_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US">Preferred Stock, Shares Issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US">Cumulative convertible preferred stock, shares issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="us-gaap_PreferredStockSharesOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl" xml:lang="en-US">Preferred Stock, Shares Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl" xml:lang="en-US">Cumulative convertible preferred stock, shares outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:label="us-gaap_PreferredStockLiquidationPreference" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockLiquidationPreference" xlink:to="us-gaap_PreferredStockLiquidationPreference_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockLiquidationPreference_lbl" xml:lang="en-US">Preferred Stock, Liquidation Preference Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PreferredStockLiquidationPreference_lbl" xml:lang="en-US">Cumulative convertible preferred stock, minimum liquidation preference</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock, Value, Issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, $.01 par value; Authorized shares - 55,000; Issued shares - 41,889 and 41,100; Outstanding shares - 40,871 and 40,082</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock, par value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common Stock, Shares Authorized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common Stock, Shares, Issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="us-gaap_CommonStockSharesOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="us-gaap_CommonStockSharesOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Common stock, shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Common Stock, Shares, Outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury Stock, Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury shares, at cost - 1,018</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="us-gaap_TreasuryStockShares" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockShares" xlink:to="us-gaap_TreasuryStockShares_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury stock, shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury Stock, Shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="us-gaap_AdditionalPaidInCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Total stockholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Liabilities and Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and stockholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="us-gaap_RevenuesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenuesAbstract" xlink:to="us-gaap_RevenuesAbstract_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Total realized gains (losses) on trading portfolio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Net realized (gains) losses on investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Net realized gains (losses) on investments</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MarketableSecuritiesUnrealizedGainLoss" xlink:label="us-gaap_MarketableSecuritiesUnrealizedGainLoss" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_MarketableSecuritiesUnrealizedGainLoss_lbl" xml:lang="en-US">Net unrealized (gains) losses on investments</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_lbl" xml:lang="en-US">Losses and loss adjustment expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SellingGeneralAndAdministrativeExpense" xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BenefitsLossesAndExpenses_lbl" xml:lang="en-US">Benefits, Losses and Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_BenefitsLossesAndExpenses_lbl" xml:lang="en-US">Total operating costs and expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">INCOME BEFORE INCOME TAXES</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income taxes, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Weighted average of common shares outstanding - Basic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Weighted average common shares outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="us-gaap_EarningsPerShareDiluted" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareDiluted" xlink:to="us-gaap_EarningsPerShareDiluted_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Earnings Per Share, Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Diluted earnings per common share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Fully diluted earnings per common share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US">Weighted average of common shares outstanding - Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US">Weighted average diluted common shares outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsPerShareDeclared" xlink:to="us-gaap_CommonStockDividendsPerShareDeclared_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Dividends per share declared on outstanding common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Cash dividends declared per common share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from operating activities:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="us-gaap_ProvisionForDoubtfulAccounts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForDoubtfulAccounts" xlink:to="us-gaap_ProvisionForDoubtfulAccounts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProvisionForDoubtfulAccounts_lbl" xml:lang="en-US">Bad debt expense (recovery)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForDoubtfulAccounts_lbl" xml:lang="en-US">Provision for Doubtful Accounts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Depreciation" xlink:label="us-gaap_Depreciation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Depreciation" xlink:to="us-gaap_Depreciation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_Depreciation_lbl" xml:lang="en-US">Depreciation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Depreciation_lbl" xml:lang="en-US">Depreciation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockOptionPlanExpense" xlink:label="us-gaap_StockOptionPlanExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockOptionPlanExpense" xlink:to="us-gaap_StockOptionPlanExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockOptionPlanExpense_lbl" xml:lang="en-US">Stock or Unit Option Plan Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockOptionPlanExpense_lbl" xml:lang="en-US">Amortization of stock-based compensation</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ForeignCurrencyTransactionGainsAndLosses" xlink:label="uve_ForeignCurrencyTransactionGainsAndLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ForeignCurrencyTransactionGainsAndLosses" xlink:to="uve_ForeignCurrencyTransactionGainsAndLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ForeignCurrencyTransactionGainsAndLosses_lbl" xml:lang="en-US">Foreign Currency Transaction Gains and Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ForeignCurrencyTransactionGainsAndLosses_lbl" xml:lang="en-US">Net foreign currency (gains) on investments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="uve_ForeignCurrencyTransactionGainsAndLosses_lbl" xml:lang="en-US">Net foreign currency (gains) losses on investments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Accretion (Amortization) of Discounts and Premiums, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Amortization of premium / accretion of discount, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:label="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:to="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_lbl" xml:lang="en-US">Increase (Decrease) in Deferred Income Taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_lbl" xml:lang="en-US">Deferred income taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:to="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_lbl" xml:lang="en-US">Excess Tax Benefit from Share-based Compensation, Operating Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_lbl" xml:lang="en-US">Excess tax (benefits) shortfall from stock-based compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_lbl" xml:lang="en-US">Excess tax benefits(shortfall), Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherNoncashIncomeExpense" xlink:label="us-gaap_OtherNoncashIncomeExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNoncashIncomeExpense" xlink:to="us-gaap_OtherNoncashIncomeExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherNoncashIncomeExpense_lbl" xml:lang="en-US">Other Noncash Income (Expense)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherNoncashIncomeExpense_lbl" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Increase (Decrease) in Operating Capital [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Net change in assets and liabilities relating to operating activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities" xlink:label="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities_lbl" xml:lang="en-US">Increase (Decrease) in Restricted Cash for Operating Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities_lbl" xml:lang="en-US">Restricted cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums" xlink:label="us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums" xlink:to="us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_lbl" xml:lang="en-US">Increase (Decrease) in Prepaid Reinsurance Premiums</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_lbl" xml:lang="en-US">Prepaid reinsurance premiums</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:to="us-gaap_IncreaseDecreaseInReinsuranceRecoverable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable_lbl" xml:lang="en-US">Increase (Decrease) in Reinsurance Recoverable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable_lbl" xml:lang="en-US">Reinsurance recoverables</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInContractReceivablesNet" xlink:label="us-gaap_IncreaseDecreaseInContractReceivablesNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInContractReceivablesNet" xlink:to="us-gaap_IncreaseDecreaseInContractReceivablesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInContractReceivablesNet_lbl" xml:lang="en-US">Increase (Decrease) in Contract Receivables, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInContractReceivablesNet_lbl" xml:lang="en-US">Reinsurance receivable, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInPremiumsReceivable" xlink:label="us-gaap_IncreaseDecreaseInPremiumsReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPremiumsReceivable" xlink:to="us-gaap_IncreaseDecreaseInPremiumsReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInPremiumsReceivable_lbl" xml:lang="en-US">Increase (Decrease) in Premiums Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInPremiumsReceivable_lbl" xml:lang="en-US">Premiums receivable, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:label="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:to="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_lbl" xml:lang="en-US">Increase (Decrease) in Accrued Investment Income Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_lbl" xml:lang="en-US">Accrued investment income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="us-gaap_IncreaseDecreaseInOtherReceivables" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherReceivables" xlink:to="us-gaap_IncreaseDecreaseInOtherReceivables_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherReceivables_lbl" xml:lang="en-US">Increase (Decrease) in Other Receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherReceivables_lbl" xml:lang="en-US">Other receivables</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" xlink:label="us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInIncomeTaxesReceivable_lbl" xml:lang="en-US">Increase (Decrease) in Income Taxes Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInIncomeTaxesReceivable_lbl" xml:lang="en-US">Income taxes recoverable</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_lbl" xml:lang="en-US">Increase (Decrease) in Deferred Policy Acquisition Costs</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfSecuritiesOperatingActivities" xlink:to="us-gaap_ProceedsFromSaleOfSecuritiesOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromSaleOfSecuritiesOperatingActivities_lbl" xml:lang="en-US">Proceeds from sale of trading securities</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForPurchaseOfSecuritiesOperatingActivities" xlink:to="us-gaap_PaymentsForPurchaseOfSecuritiesOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForPurchaseOfSecuritiesOperatingActivities_lbl" xml:lang="en-US">Payments for Purchase of Securities, Operating Activities</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve" xlink:to="us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve_lbl" xml:lang="en-US">Increase (Decrease) in Loss and Loss Adjustment Expense Reserve</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve_lbl" xml:lang="en-US">Unpaid losses and loss adjustment expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums" xlink:label="us-gaap_IncreaseDecreaseInUnearnedPremiums" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInUnearnedPremiums" xlink:to="us-gaap_IncreaseDecreaseInUnearnedPremiums_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInUnearnedPremiums_lbl" xml:lang="en-US">Increase (Decrease) in Unearned Premiums</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInUnearnedPremiums_lbl" xml:lang="en-US">Unearned premiums</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayable" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccountsPayable" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayable_lbl" xml:lang="en-US">Accounts payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayable_lbl" xml:lang="en-US">Increase (Decrease) in Accounts Payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInReinsurancePayables" xlink:label="us-gaap_IncreaseDecreaseInReinsurancePayables" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInReinsurancePayables" xlink:to="us-gaap_IncreaseDecreaseInReinsurancePayables_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInReinsurancePayables_lbl" xml:lang="en-US">Increase (Decrease) in Reinsurance Payables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInReinsurancePayables_lbl" xml:lang="en-US">Reinsurance payable, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:to="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl" xml:lang="en-US">Income taxes payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl" xml:lang="en-US">Increase (Decrease) in Income Taxes Payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherAccruedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherAccruedLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherAccruedLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOtherAccruedLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherAccruedLiabilities_lbl" xml:lang="en-US">Other liabilities and accrued expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherAccruedLiabilities_lbl" xml:lang="en-US">Increase (Decrease) in Other Accrued Liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInCustomerAdvancesAndDeposits" xlink:label="us-gaap_IncreaseDecreaseInCustomerAdvancesAndDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInCustomerAdvancesAndDeposits" xlink:to="us-gaap_IncreaseDecreaseInCustomerAdvancesAndDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInCustomerAdvancesAndDeposits_lbl" xml:lang="en-US">Advance premium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInCustomerAdvancesAndDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Customer Advances and Deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash flows provided by (used in) operating activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from investing activities:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:label="us-gaap_ProceedsFromSaleOfPropertyHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:to="us-gaap_ProceedsFromSaleOfPropertyHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfPropertyHeldForSale_lbl" xml:lang="en-US">Proceeds from Sale of Property Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromSaleOfPropertyHeldForSale_lbl" xml:lang="en-US">Proceeds from sale of property and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of property and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfBankOverdrafts" xlink:label="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts" xlink:to="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts_lbl" xml:lang="en-US">Bank overdraft</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts_lbl" xml:lang="en-US">Proceeds from (Repayments of) Bank Overdrafts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:to="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Payments of Dividends, Preferred Stock and Preference Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Preferred stock dividend</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:to="us-gaap_ProceedsFromIssuanceOfCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock_lbl" xml:lang="en-US">Issuance of common stock</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:to="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" xml:lang="en-US">Excess tax benefits (shortfall) from stock-based compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" xml:lang="en-US">Excess Tax Benefit from Share-based Compensation, Financing Activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RepaymentsOfDebt" xlink:label="us-gaap_RepaymentsOfDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfDebt" xlink:to="us-gaap_RepaymentsOfDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepaymentsOfDebt_lbl" xml:lang="en-US">Repayments of Debt</label>
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    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember" xlink:label="uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember" xlink:to="uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember_lbl" xml:lang="en-US">Reclassification Made on Restricted Cash and Cash Equivalents [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember_lbl" xml:lang="en-US">Reclassification made on Restricted Cash and Cash Equivalents [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ReclassificationMadeOnRestrictedCashAndCashEquivalentsMember_lbl" xml:lang="en-US">Reclassification made on restricted cash and cash equivalents.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" xlink:label="us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" xlink:to="lab_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" xml:lang="en-US">Schedule of Error Corrections and Prior Period Adjustment Restatement [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementByRestatementPeriodAndAmountAxis" xlink:label="us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementByRestatementPeriodAndAmountAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementByRestatementPeriodAndAmountAxis" xlink:to="lab_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementByRestatementPeriodAndAmountAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementByRestatementPeriodAndAmountAxis" xml:lang="en-US">Adjustments for Error Corrections [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdjustmentsForErrorCorrectionDomain" xlink:label="us-gaap_AdjustmentsForErrorCorrectionDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsForErrorCorrectionDomain" xlink:to="lab_AdjustmentsForErrorCorrectionDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AdjustmentsForErrorCorrectionDomain" xml:lang="en-US">Adjustments for Error Correction [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementScenarioAxis" xlink:label="us-gaap_StatementScenarioAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementScenarioAxis" xlink:to="lab_StatementScenarioAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatementScenarioAxis" xml:lang="en-US">Scenario [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScenarioUnspecifiedDomain" xlink:label="us-gaap_ScenarioUnspecifiedDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioUnspecifiedDomain" xlink:to="lab_ScenarioUnspecifiedDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScenarioUnspecifiedDomain" xml:lang="en-US">Scenario, Unspecified [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScenarioPreviouslyReportedMember" xlink:label="us-gaap_ScenarioPreviouslyReportedMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioPreviouslyReportedMember" xlink:to="lab_ScenarioPreviouslyReportedMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScenarioPreviouslyReportedMember" xml:lang="en-US">Scenario, Previously Reported [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ScenarioPreviouslyReportedMember" xml:lang="en-US">Scenario, Previously Reported [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestatementAdjustmentMember" xlink:label="us-gaap_RestatementAdjustmentMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestatementAdjustmentMember" xlink:to="lab_RestatementAdjustmentMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RestatementAdjustmentMember" xml:lang="en-US">Restatement Adjustment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_RestatementAdjustmentMember" xml:lang="en-US">Restatement Adjustment [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" xlink:label="us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" xlink:to="lab_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" xml:lang="en-US">Error Corrections and Prior Period Adjustments Restatement [Line Items]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_FundsHeldInTrustMember" xlink:label="uve_FundsHeldInTrustMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_FundsHeldInTrustMember" xlink:to="uve_FundsHeldInTrustMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_FundsHeldInTrustMember_lbl" xml:lang="en-US">Funds Held in Trust [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_FundsHeldInTrustMember_lbl" xml:lang="en-US">Funds held in Trust [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_FundsHeldInTrustMember_lbl" xml:lang="en-US">Funds held in trust.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_StateDepositsMember" xlink:label="uve_StateDepositsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_StateDepositsMember" xlink:to="uve_StateDepositsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_StateDepositsMember_lbl" xml:lang="en-US">State Deposits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_StateDepositsMember_lbl" xml:lang="en-US">State deposits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_StateDepositsMember_lbl" xml:lang="en-US">State Deposits [Member]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_UnitedStatesBankInstitutionalTrustAndCustodyMember" xlink:label="uve_UnitedStatesBankInstitutionalTrustAndCustodyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_UnitedStatesBankInstitutionalTrustAndCustodyMember" xlink:to="uve_UnitedStatesBankInstitutionalTrustAndCustodyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_UnitedStatesBankInstitutionalTrustAndCustodyMember_lbl" xml:lang="en-US">United States Bank Institutional Trust and Custody [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_UnitedStatesBankInstitutionalTrustAndCustodyMember_lbl" xml:lang="en-US">U .S. Bank IT&amp;C [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_UnitedStatesBankInstitutionalTrustAndCustodyMember_lbl" xml:lang="en-US">United states bank institutional trust and custody.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SunTrustBankMember" xlink:label="uve_SunTrustBankMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SunTrustBankMember" xlink:to="uve_SunTrustBankMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SunTrustBankMember_lbl" xml:lang="en-US">Sun Trust Bank [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SunTrustBankMember_lbl" xml:lang="en-US">Sun trust bank.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SunTrustBankMember_lbl" xml:lang="en-US">Sun Trust Bank [Member]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_WellsFargoBankMember" xlink:label="uve_WellsFargoBankMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_WellsFargoBankMember" xlink:to="uve_WellsFargoBankMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_WellsFargoBankMember_lbl" xml:lang="en-US">Wells Fargo Bank [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_WellsFargoBankMember_lbl" xml:lang="en-US">Wells Fargo Bank N.A. [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_WellsFargoBankMember_lbl" xml:lang="en-US">Wells Fargo Bank.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_BankOfNewYorkMellonTrustCompanyMember" xlink:label="uve_BankOfNewYorkMellonTrustCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_BankOfNewYorkMellonTrustCompanyMember" xlink:to="uve_BankOfNewYorkMellonTrustCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_BankOfNewYorkMellonTrustCompanyMember_lbl" xml:lang="en-US">Bank of New York Mellon Trust Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_BankOfNewYorkMellonTrustCompanyMember_lbl" xml:lang="en-US">Bank of New York Mellon Trust Co. [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_BankOfNewYorkMellonTrustCompanyMember_lbl" xml:lang="en-US">Bank of New York Mellon Trust Co..</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_FloridaDepartmentOfFinancialServicesMember" xlink:label="uve_FloridaDepartmentOfFinancialServicesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_FloridaDepartmentOfFinancialServicesMember" xlink:to="uve_FloridaDepartmentOfFinancialServicesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_FloridaDepartmentOfFinancialServicesMember_lbl" xml:lang="en-US">Florida Department of Financial Services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_FloridaDepartmentOfFinancialServicesMember_lbl" xml:lang="en-US">Florida Department of Financial Services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_FloridaDepartmentOfFinancialServicesMember_lbl" xml:lang="en-US">Florida department of financial services.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_AllOtherBankingInstitutionsOrStatesMember" xlink:label="uve_AllOtherBankingInstitutionsOrStatesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_AllOtherBankingInstitutionsOrStatesMember" xlink:to="uve_AllOtherBankingInstitutionsOrStatesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_AllOtherBankingInstitutionsOrStatesMember_lbl" xml:lang="en-US">All Other Banking Institutions or States [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_AllOtherBankingInstitutionsOrStatesMember_lbl" xml:lang="en-US">All Other Banking Institutions/States [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_AllOtherBankingInstitutionsOrStatesMember_lbl" xml:lang="en-US">All other banking institutions/states.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CashAndCashEquivalentsPercentageByInstitution" xlink:label="uve_CashAndCashEquivalentsPercentageByInstitution" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CashAndCashEquivalentsPercentageByInstitution" xlink:to="uve_CashAndCashEquivalentsPercentageByInstitution_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CashAndCashEquivalentsPercentageByInstitution_lbl" xml:lang="en-US">Cash and Cash Equivalents Percentage by Institution</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_CashAndCashEquivalentsPercentageByInstitution_lbl" xml:lang="en-US">Cash and cash Equivalents, % by Institution</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CashAndCashEquivalentsPercentageByInstitution_lbl" xml:lang="en-US">Cash and cash equivalents percentage by institution.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_RestrictedCashAndCashEquivalentsPercentageByInstitution" xlink:label="uve_RestrictedCashAndCashEquivalentsPercentageByInstitution" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_RestrictedCashAndCashEquivalentsPercentageByInstitution" xlink:to="uve_RestrictedCashAndCashEquivalentsPercentageByInstitution_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_RestrictedCashAndCashEquivalentsPercentageByInstitution_lbl" xml:lang="en-US">Restricted Cash and Cash Equivalents Percentage by Institution</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_RestrictedCashAndCashEquivalentsPercentageByInstitution_lbl" xml:lang="en-US">Restricted cash and cash Equivalents, % by Institution</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_RestrictedCashAndCashEquivalentsPercentageByInstitution_lbl" xml:lang="en-US">Restricted cash and cash equivalents, percentage by institution.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:label="us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTable" xlink:to="lab_ScheduleOfRestrictedCashAndCashEquivalentsTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfRestrictedCashAndCashEquivalentsTable" xml:lang="en-US">Schedule of Restricted Cash and Cash Equivalents [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" xlink:label="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" xlink:to="lab_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" xml:lang="en-US">Restricted Cash and Cash Equivalents [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xlink:label="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xlink:to="lab_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xml:lang="en-US">Cash and Cash Equivalents [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:label="us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalentsItemsLineItems" xlink:to="lab_RestrictedCashAndCashEquivalentsItemsLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RestrictedCashAndCashEquivalentsItemsLineItems" xml:lang="en-US">Restricted Cash and Cash Equivalents Items [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Cash" xlink:label="us-gaap_Cash" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Cash" xlink:to="lab_Cash" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_Cash" xml:lang="en-US">Cash</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_Cash" xml:lang="en-US">Cash</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MoneyMarketFundsAtCarryingValue" xlink:label="us-gaap_MoneyMarketFundsAtCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MoneyMarketFundsAtCarryingValue" xlink:to="lab_MoneyMarketFundsAtCarryingValue" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_MoneyMarketFundsAtCarryingValue" xml:lang="en-US">Money Market Funds, at Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_MoneyMarketFundsAtCarryingValue" xml:lang="en-US">Money Market Funds</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EverestReinsuranceCompanyMember" xlink:label="uve_EverestReinsuranceCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EverestReinsuranceCompanyMember" xlink:to="uve_EverestReinsuranceCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EverestReinsuranceCompanyMember_lbl" xml:lang="en-US">Everest Reinsurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EverestReinsuranceCompanyMember_lbl" xml:lang="en-US">Everest Reinsurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EverestReinsuranceCompanyMember_lbl" xml:lang="en-US">Everest reinsurance company.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_FloridaHurricaneCatastropheFundMember" xlink:label="uve_FloridaHurricaneCatastropheFundMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_FloridaHurricaneCatastropheFundMember" xlink:to="uve_FloridaHurricaneCatastropheFundMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_FloridaHurricaneCatastropheFundMember_lbl" xml:lang="en-US">Florida Hurricane Catastrophe Fund [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_FloridaHurricaneCatastropheFundMember_lbl" xml:lang="en-US">Florida Hurricane Catastrophe Fund [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_FloridaHurricaneCatastropheFundMember_lbl" xml:lang="en-US">Florida hurricane catastrophe fund.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CededCreditRiskAmountAbstract" xlink:label="us-gaap_CededCreditRiskAmountAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CededCreditRiskAmountAbstract" xlink:to="lab_CededCreditRiskAmountAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CededCreditRiskAmountAbstract" xml:lang="en-US">Ceded Credit Risk, Amount [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CededCreditRiskAmountAbstract" xml:lang="en-US">Unsecured amounts due from reinsurers whose aggregate balance exceeds 3% of the stockholders equity</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ReinsuranceUnsecuredAmountsDueFromReinsurers" xlink:label="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers" xlink:to="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers_lbl" xml:lang="en-US">Reinsurance Unsecured Amounts Due from Reinsurers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers_lbl" xml:lang="en-US">Reinsurance unsecured amounts due from reinsurers total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ReinsuranceUnsecuredAmountsDueFromReinsurers_lbl" xml:lang="en-US">Reinsurance unsecured amounts due from reinsurers.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsNet" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsNet" xlink:to="lab_DeferredPolicyAcquisitionCostsNet" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredPolicyAcquisitionCostsNet" xml:lang="en-US">Deferred Policy Acquisition Costs, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_DeferredPolicyAcquisitionCostsNet" xml:lang="en-US">DPAC (DRCC), net, end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_DeferredPolicyAcquisitionCostsNet" xml:lang="en-US">DPAC (DRCC), net, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredPolicyAcquisitionCostsNet" xml:lang="en-US">Deferred policy acquisition costs</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage" xlink:to="uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage_lbl" xml:lang="en-US">Deferred Policy Acquisition Costs Net Difference Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage_lbl" xml:lang="en-US">Percentage reduction in net, deferred policy acquisition costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferencePercentage_lbl" xml:lang="en-US">Deferred policy acquisition costs net difference percentage.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount" xlink:to="uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount_lbl" xml:lang="en-US">Deferred Policy Acquisition Costs Net Difference Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount_lbl" xml:lang="en-US">Deferred policy acquisition costs net difference amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredPolicyAcquisitionCostsNetDifferenceAmount_lbl" xml:lang="en-US">Deferred policy acquisition costs net difference amount.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:label="us-gaap_CashAndCashEquivalentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsMember" xlink:to="lab_CashAndCashEquivalentsMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CashAndCashEquivalentsMember" xml:lang="en-US">Cash and Cash Equivalents [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CashAndCashEquivalentsMember" xml:lang="en-US">Cash and cash equivalents [Member]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_RestrictedCashAndCashEquivalentsMember" xlink:label="uve_RestrictedCashAndCashEquivalentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_RestrictedCashAndCashEquivalentsMember" xlink:to="uve_RestrictedCashAndCashEquivalentsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_RestrictedCashAndCashEquivalentsMember_lbl" xml:lang="en-US">Restricted Cash and Cash Equivalents [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_RestrictedCashAndCashEquivalentsMember_lbl" xml:lang="en-US">Restricted cash and cash equivalents [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_RestrictedCashAndCashEquivalentsMember_lbl" xml:lang="en-US">Restricted cash and cash equivalents.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesCommonStockMetalsAndMiningMember" xlink:label="uve_EquitySecuritiesCommonStockMetalsAndMiningMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesCommonStockMetalsAndMiningMember" xlink:to="uve_EquitySecuritiesCommonStockMetalsAndMiningMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesCommonStockMetalsAndMiningMember_lbl" xml:lang="en-US">Equity Securities Common Stock Metals and Mining [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesCommonStockMetalsAndMiningMember_lbl" xml:lang="en-US">Equity Securities Common Stock Metals and mining [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesCommonStockMetalsAndMiningMember_lbl" xml:lang="en-US">Equity securities common stock metals and mining.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesCommonStockEnergyMember" xlink:label="uve_EquitySecuritiesCommonStockEnergyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesCommonStockEnergyMember" xlink:to="uve_EquitySecuritiesCommonStockEnergyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesCommonStockEnergyMember_lbl" xml:lang="en-US">Equity Securities Common Stock Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesCommonStockEnergyMember_lbl" xml:lang="en-US">Equity Securities Common Stock Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesCommonStockEnergyMember_lbl" xml:lang="en-US">Equity securities common stock energy.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesCommonStockOtherMember" xlink:label="uve_EquitySecuritiesCommonStockOtherMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesCommonStockOtherMember" xlink:to="uve_EquitySecuritiesCommonStockOtherMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesCommonStockOtherMember_lbl" xml:lang="en-US">Equity Securities Common Stock Other [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesCommonStockOtherMember_lbl" xml:lang="en-US">Equity Securities Common Stock Other [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesCommonStockOtherMember_lbl" xml:lang="en-US">Equity securities common stock other.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember" xlink:to="uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Metals and Mining [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Metals and mining [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsMetalsAndMiningMember_lbl" xml:lang="en-US">Equity securities exchange traded and mutual funds metals and mining.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember" xlink:to="uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Agriculture [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Agriculture [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsAgricultureMember_lbl" xml:lang="en-US">Equity securities exchange traded and mutual funds agriculture.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember" xlink:to="uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Indices [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Indices [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsIndicesMember_lbl" xml:lang="en-US">Equity securities exchange traded and mutual funds indices.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_NonHedgingDerivativeInstrumentsMember" xlink:label="uve_NonHedgingDerivativeInstrumentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_NonHedgingDerivativeInstrumentsMember" xlink:to="uve_NonHedgingDerivativeInstrumentsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_NonHedgingDerivativeInstrumentsMember_lbl" xml:lang="en-US">Non Hedging Derivative Instruments [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_NonHedgingDerivativeInstrumentsMember_lbl" xml:lang="en-US">Non-hedging derivative (liability) [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_NonHedgingDerivativeInstrumentsMember_lbl" xml:lang="en-US">Non hedging derivative instruments.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherInvestmentsMember" xlink:label="us-gaap_OtherInvestmentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherInvestmentsMember" xlink:to="lab_OtherInvestmentsMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherInvestmentsMember" xml:lang="en-US">Other Investments [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherInvestmentsMember" xml:lang="en-US">Other investments [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CategoriesOfInvestmentsMarketableSecuritiesTradingSecuritiesMember" xlink:label="us-gaap_CategoriesOfInvestmentsMarketableSecuritiesTradingSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CategoriesOfInvestmentsMarketableSecuritiesTradingSecuritiesMember" xlink:to="lab_CategoriesOfInvestmentsMarketableSecuritiesTradingSecuritiesMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CategoriesOfInvestmentsMarketableSecuritiesTradingSecuritiesMember" xml:lang="en-US">Categories of Investments, Marketable Securities, Trading Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CategoriesOfInvestmentsMarketableSecuritiesTradingSecuritiesMember" xml:lang="en-US">Categories of Investments, Marketable Securities, Trading Securities [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentOwnedBalanceAbstract" xlink:label="us-gaap_InvestmentOwnedBalanceAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentOwnedBalanceAbstract" xlink:to="lab_InvestmentOwnedBalanceAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_InvestmentOwnedBalanceAbstract" xml:lang="en-US">Investment Owned, Balance [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_InvestmentOwnedBalanceAbstract" xml:lang="en-US">Investment holdings by type of instrument</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:label="us-gaap_InvestmentIncomeInterestAndDividendAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:to="lab_InvestmentIncomeInterestAndDividendAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_InvestmentIncomeInterestAndDividendAbstract" xml:lang="en-US">Investment income (expense) comprised primarily of interest and dividends</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_InvestmentIncomeInterestAndDividendAbstract" xml:lang="en-US">Investment Income, Interest and Dividend [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentIncomeInterestAndDividend" xlink:label="us-gaap_InvestmentIncomeInterestAndDividend" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentIncomeInterestAndDividend" xlink:to="lab_InvestmentIncomeInterestAndDividend" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_InvestmentIncomeInterestAndDividend" xml:lang="en-US">Investment Income, Interest and Dividend</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_InvestmentIncomeInterestAndDividend" xml:lang="en-US">Total investment income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentIncomeInvestmentExpense" xlink:label="us-gaap_InvestmentIncomeInvestmentExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentIncomeInvestmentExpense" xlink:to="lab_InvestmentIncomeInvestmentExpense" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_InvestmentIncomeInvestmentExpense" xml:lang="en-US">Investment Income, Investment Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_InvestmentIncomeInvestmentExpense" xml:lang="en-US">Less investment expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CededCreditRiskTable" xlink:label="us-gaap_CededCreditRiskTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CededCreditRiskTable" xlink:to="lab_CededCreditRiskTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CededCreditRiskTable" xml:lang="en-US">Ceded Credit Risk [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CededCreditRiskAxis" xlink:label="us-gaap_CededCreditRiskAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CededCreditRiskAxis" xlink:to="lab_CededCreditRiskAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CededCreditRiskAxis" xml:lang="en-US">Ceded Credit Risk [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CededCreditRiskReinsurerDomain" xlink:label="us-gaap_CededCreditRiskReinsurerDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CededCreditRiskReinsurerDomain" xlink:to="lab_CededCreditRiskReinsurerDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CededCreditRiskReinsurerDomain" xml:lang="en-US">Ceded Credit Risk, Reinsurer [Domain]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAdjustmentExpenseByExpenseTypeTextBlock" xlink:label="us-gaap_LiabilityForUnpaidClaimsAdjustmentExpenseByExpenseTypeTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAdjustmentExpenseByExpenseTypeTextBlock" xlink:to="lab_LiabilityForUnpaidClaimsAdjustmentExpenseByExpenseTypeTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAdjustmentExpenseByExpenseTypeTextBlock" xml:lang="en-US">Liability for Unpaid Claims Adjustment Expense by Expense Type [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilityForUnpaidClaimsAdjustmentExpenseByExpenseTypeTextBlock" xml:lang="en-US">Change in liability for unpaid losses and LAE</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsDisclosuresAbstract" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsDisclosuresAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsDisclosuresAbstract" xlink:to="lab_DeferredPolicyAcquisitionCostsDisclosuresAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredPolicyAcquisitionCostsDisclosuresAbstract" xml:lang="en-US">Deferred Policy Acquisition Costs Disclosures [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredPolicyAcquisitionCostsDisclosuresAbstract" xml:lang="en-US">Beginning and Ending balances and the changes in DPAC, net of DRCC</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsAdditions" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsAdditions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsAdditions" xlink:to="lab_DeferredPolicyAcquisitionCostsAdditions" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredPolicyAcquisitionCostsAdditions" xml:lang="en-US">Deferred Policy Acquisition Costs, Additions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredPolicyAcquisitionCostsAdditions" xml:lang="en-US">Capitalized costs, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:to="lab_DeferredPolicyAcquisitionCostAmortizationExpense" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredPolicyAcquisitionCostAmortizationExpense" xml:lang="en-US">Deferred Policy Acquisition Cost, Amortization Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredPolicyAcquisitionCostAmortizationExpense" xml:lang="en-US">Amortization of DPAC (DRCC), net</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredReinsuranceCedingCommissionsNet" xlink:label="uve_DeferredReinsuranceCedingCommissionsNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredReinsuranceCedingCommissionsNet" xlink:to="uve_DeferredReinsuranceCedingCommissionsNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredReinsuranceCedingCommissionsNet_lbl" xml:lang="en-US">Deferred Reinsurance Ceding Commissions Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="uve_DeferredReinsuranceCedingCommissionsNet_lbl" xml:lang="en-US">DRCC, end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="uve_DeferredReinsuranceCedingCommissionsNet_lbl" xml:lang="en-US">DRCC, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredReinsuranceCedingCommissionsNet_lbl" xml:lang="en-US">Deferred reinsurance ceding commissions net.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten" xlink:label="uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten" xlink:to="uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten_lbl" xml:lang="en-US">Deferred Reinsurance Ceding Commissions Ceding Commissions Written</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten_lbl" xml:lang="en-US">Ceding commissions written</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredReinsuranceCedingCommissionsCedingCommissionsWritten_lbl" xml:lang="en-US">Deferred reinsurance ceding commissions ceding commissions written.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions" xlink:label="uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions" xlink:to="uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions_lbl" xml:lang="en-US">Deferred Reinsurance Ceding Commissions Earned Ceding Commissions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions_lbl" xml:lang="en-US">Earned ceding commissions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredReinsuranceCedingCommissionsEarnedCedingCommissions_lbl" xml:lang="en-US">Deferred reinsurance ceding commissions earned ceding commissions.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RollForwardInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" xlink:label="us-gaap_RollForwardInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RollForwardInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" xlink:to="lab_RollForwardInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RollForwardInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Activity in Liability [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_RollForwardInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" xml:lang="en-US">Change in liability for unpaid losses and LAE</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" xml:lang="en-US">Balance at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseGross" xml:lang="en-US">Balance at beginning of period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xml:lang="en-US">Net balance at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xml:lang="en-US">Net balance at beginning of period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" xml:lang="en-US">Expenses incurred related to Current year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims Current Year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims, Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" xml:lang="en-US">Expenses incurred related to Prior years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" xml:lang="en-US">Total incurred</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" xml:lang="en-US">Expenses paid related to Current year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" xml:lang="en-US">Expenses paid related to Prior years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" xlink:to="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" xml:lang="en-US">Total paid</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ReinsuranceRecoverableLess" xlink:label="uve_ReinsuranceRecoverableLess" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ReinsuranceRecoverableLess" xlink:to="uve_ReinsuranceRecoverableLess_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ReinsuranceRecoverableLess_lbl" xml:lang="en-US">Reinsurance Recoverable Less</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ReinsuranceRecoverableLess_lbl" xml:lang="en-US">Less reinsurance recoverable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ReinsuranceRecoverableLess_lbl" xml:lang="en-US">Reinsurance recoverable less.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_AdditionOfReinsuranceRecoverable" xlink:label="uve_AdditionOfReinsuranceRecoverable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_AdditionOfReinsuranceRecoverable" xlink:to="uve_AdditionOfReinsuranceRecoverable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_AdditionOfReinsuranceRecoverable_lbl" xml:lang="en-US">Addition of Reinsurance Recoverable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_AdditionOfReinsuranceRecoverable_lbl" xml:lang="en-US">Plus reinsurance recoverables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_AdditionOfReinsuranceRecoverable_lbl" xml:lang="en-US">Addition of reinsurance recoverable.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_UniversalPropertyAndCasualtyInsuranceCompanyMember" xlink:label="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember" xlink:to="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">Universal Property and Casualty Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">Universal Property and Casualty Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">Universal property and casualty insurance company.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember" xlink:to="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">American Platinum Property and Casualty Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">American Platinum Property and Casualty Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">American platinum property and casualty insurance company.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus" xlink:label="uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus" xlink:to="uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus_lbl" xml:lang="en-US">Statutory Accounting Practices Statutory Capital and Surplus</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus_lbl" xml:lang="en-US">Statutory capital and surplus, and an amount representing ten percent of total liabilities for both UPCIC and APPCIC</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_StatutoryAccountingPracticesStatutoryCapitalAndSurplus_lbl" xml:lang="en-US">Statutory accounting practices statutory capital and surplus.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:label="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_NumberOfStatesInWhichHomeOwnersInsuranceOperates_lbl" xml:lang="en-US">Number of States in which home owners insurance operates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_NumberOfStatesInWhichHomeOwnersInsuranceOperates_lbl" xml:lang="en-US">Number of states in which home owners insurance operates.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_InsuranceOperationsTextualAbstract_lbl" xml:lang="en-US">Insurance Operations (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_InsuranceOperationsTextualAbstract_lbl" xml:lang="en-US">Insurance operations.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_NewAccountingPronouncementMember" xml:lang="en-US">Adjustments for New Accounting Pronouncement [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesTable" xlink:label="us-gaap_StatutoryAccountingPracticesTable" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatutoryAccountingPracticesTable" xml:lang="en-US">Statutory Accounting Practices [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesByJurisdictionAxis" xlink:label="us-gaap_StatutoryAccountingPracticesByJurisdictionAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesByJurisdictionAxis" xlink:to="lab_StatutoryAccountingPracticesByJurisdictionAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatutoryAccountingPracticesByJurisdictionAxis" xml:lang="en-US">Jurisdiction [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesJurisdictionDomain" xlink:label="us-gaap_StatutoryAccountingPracticesJurisdictionDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesJurisdictionDomain" xlink:to="lab_StatutoryAccountingPracticesJurisdictionDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatutoryAccountingPracticesJurisdictionDomain" xml:lang="en-US">Statutory Accounting Practices, Jurisdiction [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesLineItems" xlink:label="us-gaap_StatutoryAccountingPracticesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesLineItems" xlink:to="lab_StatutoryAccountingPracticesLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatutoryAccountingPracticesLineItems" xml:lang="en-US">Statutory Accounting Practices [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="us-gaap_StatementGeographicalAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementGeographicalAxis" xlink:to="lab_StatementGeographicalAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatementGeographicalAxis" xml:lang="en-US">Geographical [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="us-gaap_SegmentGeographicalDomain" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" xlink:label="us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" xlink:to="lab_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" xml:lang="en-US">Prospective Adoption of New Accounting Pronouncements [Axis]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingGuidanceMember" xlink:to="lab_AccountingGuidanceMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AccountingGuidanceMember" xml:lang="en-US">Accounting Guidance [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US">Certain information regarding the Company' s stock-based compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US">Certain information related to stock options and non-vested shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Stock Options Number of Shares ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Stock Options Number of Shares beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Stock Options Weighted Average Exercise Price Outstanding ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Stock Options Weighted Average Exercise Price Outstanding beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Restricted Stock Number of Shares ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Restricted Stock Number of Shares beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Restricted Stock Weighted Average Grant Date Fair Value ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Restricted Stock Weighted Average Grant Date Fair Value beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US">Stock Options Number of Shares Granted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Stock Options Weighted Average Exercise Price Granted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Restricted Stock Number of Shares Granted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Weighted average fair value, Restricted stock grants</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Weighted average fair value, Stock option grants</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Total Intrinsic Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US">Intrinsic value of options exercised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Total Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xml:lang="en-US">Fair value of restricted stock vested</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CashReceivedForStrikePriceAndTaxWithholdings" xlink:label="uve_CashReceivedForStrikePriceAndTaxWithholdings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CashReceivedForStrikePriceAndTaxWithholdings" xlink:to="uve_CashReceivedForStrikePriceAndTaxWithholdings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CashReceivedForStrikePriceAndTaxWithholdings_lbl" xml:lang="en-US">Cash Received for Strike Price and Tax Withholdings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_CashReceivedForStrikePriceAndTaxWithholdings_lbl" xml:lang="en-US">Cash received for strike price and tax withholdings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CashReceivedForStrikePriceAndTaxWithholdings_lbl" xml:lang="en-US">Cash received for strike price and tax withholdings.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:to="lab_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xml:lang="en-US">Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Stock Options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xml:lang="en-US">Unrecognized expense, Stock Options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:to="lab_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xml:lang="en-US">Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Share-based Awards Other than Options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xml:lang="en-US">Unrecognized expense, Restricted Stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US">Weighted average remaining years, Stock Options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xml:lang="en-US">Weighted average remaining years, Restricted Stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="lab_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AwardTypeAxis" xlink:label="us-gaap_AwardTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AwardTypeAxis" xlink:to="lab_AwardTypeAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AwardTypeAxis" xml:lang="en-US">Award Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xml:lang="en-US">Award Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockOptionsMember" xlink:label="us-gaap_StockOptionsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockOptionsMember" xlink:to="lab_StockOptionsMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StockOptionsMember" xml:lang="en-US">Stock Options [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_StockOptionsMember" xml:lang="en-US">Stock Options [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedStockMember" xlink:label="us-gaap_RestrictedStockMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedStockMember" xlink:to="lab_RestrictedStockMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RestrictedStockMember" xml:lang="en-US">Restricted Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_RestrictedStockMember" xml:lang="en-US">Restricted Stock [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DownesAndAssociatesMember" xlink:label="uve_DownesAndAssociatesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DownesAndAssociatesMember" xlink:to="uve_DownesAndAssociatesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DownesAndAssociatesMember_lbl" xml:lang="en-US">Downes and Associates [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DownesAndAssociatesMember_lbl" xml:lang="en-US">Downes and Associates [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DownesAndAssociatesMember_lbl" xml:lang="en-US">Downes and associates.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DueToRelatedPartiesCurrentAndNoncurrentAbstract" xlink:label="us-gaap_DueToRelatedPartiesCurrentAndNoncurrentAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DueToRelatedPartiesCurrentAndNoncurrentAbstract" xlink:to="lab_DueToRelatedPartiesCurrentAndNoncurrentAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DueToRelatedPartiesCurrentAndNoncurrentAbstract" xml:lang="en-US">Due to Related Parties [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DueToRelatedPartiesCurrentAndNoncurrentAbstract" xml:lang="en-US">Payments made by the Company to Downes and Associates</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" xlink:label="us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" xlink:to="lab_DueToRelatedPartiesCurrentAndNoncurrent" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DueToRelatedPartiesCurrentAndNoncurrent" xml:lang="en-US">Due to Related Parties</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DueToRelatedPartiesCurrentAndNoncurrent" xml:lang="en-US">Due to Downes and Associates</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty" xlink:label="us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty" xlink:to="lab_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty" xml:lang="en-US">Related Party Transaction, Expenses from Transactions with Related Party</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty" xml:lang="en-US">Claims adjusting fees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:label="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="lab_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:label="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="lab_RelatedPartyTransactionsByRelatedPartyAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RelatedPartyTransactionsByRelatedPartyAxis" xml:lang="en-US">Related Party [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="us-gaap_RelatedPartyDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyDomain" xlink:to="lab_RelatedPartyDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RelatedPartyDomain" xml:lang="en-US">Related Party [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RelatedPartyTransactionLineItems" xlink:label="us-gaap_RelatedPartyTransactionLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionLineItems" xlink:to="lab_RelatedPartyTransactionLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RelatedPartyTransactionLineItems" xml:lang="en-US">Related Party Transaction [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:label="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US">Deferred income tax effects of temporary differences</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US">Schedule of Deferred Tax Assets and Liabilities [Table Text Block]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-based Compensation Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xml:lang="en-US">Stock-based compensation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract" xml:lang="en-US">Increases (decreases) resulting from:</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xml:lang="en-US">Denominator for EPS:</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:to="lab_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xml:lang="en-US">Incremental Common Shares Attributable to Share-based Payment Arrangements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xml:lang="en-US">Plus: Assumed conversion of stock-based compensation (1)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xlink:label="us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xlink:to="lab_IncrementalCommonSharesAttributableToConversionOfPreferredStock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xml:lang="en-US">Incremental Common Shares Attributable to Conversion of Preferred Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_IncrementalCommonSharesAttributableToConversionOfPreferredStock" xml:lang="en-US">Assumed conversion of preferred stock</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SalariesMember" xlink:label="uve_SalariesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SalariesMember" xlink:to="uve_SalariesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SalariesMember_lbl" xml:lang="en-US">Salaries [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SalariesMember_lbl" xml:lang="en-US">Salaries [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SalariesMember_lbl" xml:lang="en-US">Salaries.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_NonEquityIncentiveCompensationMember" xlink:label="uve_NonEquityIncentiveCompensationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_NonEquityIncentiveCompensationMember" xlink:to="uve_NonEquityIncentiveCompensationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_NonEquityIncentiveCompensationMember_lbl" xml:lang="en-US">Non Equity Incentive Compensation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_NonEquityIncentiveCompensationMember_lbl" xml:lang="en-US">Non-Equity Incentive Compensation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_NonEquityIncentiveCompensationMember_lbl" xml:lang="en-US">Non equity incentive compensation.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquityCompensationMember" xlink:label="uve_EquityCompensationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquityCompensationMember" xlink:to="uve_EquityCompensationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquityCompensationMember_lbl" xml:lang="en-US">Equity Compensation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquityCompensationMember_lbl" xml:lang="en-US">Equity Compensation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquityCompensationMember_lbl" xml:lang="en-US">Equity compensation.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CommitmentsAndEstimatedContingentPaymentsAbstract" xlink:label="uve_CommitmentsAndEstimatedContingentPaymentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CommitmentsAndEstimatedContingentPaymentsAbstract" xlink:to="uve_CommitmentsAndEstimatedContingentPaymentsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CommitmentsAndEstimatedContingentPaymentsAbstract_lbl" xml:lang="en-US">Commitments and Estimated Contingent Payments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_CommitmentsAndEstimatedContingentPaymentsAbstract_lbl" xml:lang="en-US">Commitments and estimated contingent payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CommitmentsAndEstimatedContingentPaymentsAbstract_lbl" xml:lang="en-US">Commitments and estimated contingent payments.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_Commitments" xlink:label="uve_Commitments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_Commitments" xlink:to="uve_Commitments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_Commitments_lbl" xml:lang="en-US">Commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_Commitments_lbl" xml:lang="en-US">Commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_Commitments_lbl" xml:lang="en-US">Commitments.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ContingentPaymentsUpOnCertainEventsAbstract" xlink:label="uve_ContingentPaymentsUpOnCertainEventsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ContingentPaymentsUpOnCertainEventsAbstract" xlink:to="uve_ContingentPaymentsUpOnCertainEventsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ContingentPaymentsUpOnCertainEventsAbstract_lbl" xml:lang="en-US">Contingent Payments up on Certain Events [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ContingentPaymentsUpOnCertainEventsAbstract_lbl" xml:lang="en-US">Contingent payments upon certain events:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ContingentPaymentsUpOnCertainEventsAbstract_lbl" xml:lang="en-US">Contingent payments up on certain events.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ContingentPaymentsUponTermination" xlink:label="uve_ContingentPaymentsUponTermination" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ContingentPaymentsUponTermination" xlink:to="uve_ContingentPaymentsUponTermination_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ContingentPaymentsUponTermination_lbl" xml:lang="en-US">Contingent Payments upon Termination</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ContingentPaymentsUponTermination_lbl" xml:lang="en-US">Termination</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ContingentPaymentsUponTermination_lbl" xml:lang="en-US">Contingent payments upon termination.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ContingentPaymentsUponChangeInControl" xlink:label="uve_ContingentPaymentsUponChangeInControl" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ContingentPaymentsUponChangeInControl" xlink:to="uve_ContingentPaymentsUponChangeInControl_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ContingentPaymentsUponChangeInControl_lbl" xml:lang="en-US">Contingent Payments upon Change in Control</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ContingentPaymentsUponChangeInControl_lbl" xml:lang="en-US">Change in control</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ContingentPaymentsUponChangeInControl_lbl" xml:lang="en-US">Contingent payments upon change in control.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ContingentPaymentsUponDeath" xlink:label="uve_ContingentPaymentsUponDeath" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ContingentPaymentsUponDeath" xlink:to="uve_ContingentPaymentsUponDeath_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ContingentPaymentsUponDeath_lbl" xml:lang="en-US">Contingent Payments upon Death</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ContingentPaymentsUponDeath_lbl" xml:lang="en-US">Death</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ContingentPaymentsUponDeath_lbl" xml:lang="en-US">Contingent payments upon death.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ContingentPaymentsUponDisability" xlink:label="uve_ContingentPaymentsUponDisability" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ContingentPaymentsUponDisability" xlink:to="uve_ContingentPaymentsUponDisability_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ContingentPaymentsUponDisability_lbl" xml:lang="en-US">Contingent Payments upon Disability</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ContingentPaymentsUponDisability_lbl" xml:lang="en-US">Disability</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ContingentPaymentsUponDisability_lbl" xml:lang="en-US">Contingent payments upon disability.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="us-gaap_FairValueInputsLevel1Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="lab_FairValueInputsLevel1Member" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueInputsLevel1Member" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueInputsLevel1Member" xml:lang="en-US">Level 1 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="us-gaap_FairValueInputsLevel2Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="lab_FairValueInputsLevel2Member" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueInputsLevel2Member" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueInputsLevel2Member" xml:lang="en-US">Level 2 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="us-gaap_FairValueInputsLevel3Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="lab_FairValueInputsLevel3Member" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueInputsLevel3Member" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueInputsLevel3Member" xml:lang="en-US">Level 3 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract" xlink:label="us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentsAbstract" xlink:label="us-gaap_DebtInstrumentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentsAbstract" xlink:to="lab_DebtInstrumentsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DebtInstrumentsAbstract" xml:lang="en-US">Summarizes the carrying value and estimated fair values of the financial instruments not carried at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DebtInstrumentsAbstract" xml:lang="en-US">Debt Instruments [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="us-gaap_LiabilitiesFairValueDisclosureAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="lab_LiabilitiesFairValueDisclosureAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilitiesFairValueDisclosureAbstract" xml:lang="en-US">Liabilities, Fair Value Disclosure [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilitiesFairValueDisclosureAbstract" xml:lang="en-US">Liabilities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentCarryingAmount" xlink:label="us-gaap_DebtInstrumentCarryingAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentCarryingAmount" xlink:to="lab_DebtInstrumentCarryingAmount" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DebtInstrumentCarryingAmount" xml:lang="en-US">Long-term Debt, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DebtInstrumentCarryingAmount" xml:lang="en-US">Long-term debt carrying value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="us-gaap_LongTermDebtFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtFairValue" xlink:to="lab_LongTermDebtFairValue" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LongTermDebtFairValue" xml:lang="en-US">Long-term Debt, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LongTermDebtFairValue" xml:lang="en-US">Long-term debt estimated fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLossCarryforwardsTable" xlink:label="us-gaap_OperatingLossCarryforwardsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLossCarryforwardsTable" xlink:to="lab_OperatingLossCarryforwardsTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OperatingLossCarryforwardsTable" xml:lang="en-US">Operating Loss Carryforwards [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="us-gaap_IncomeTaxAuthorityAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxAuthorityAxis" xlink:to="lab_IncomeTaxAuthorityAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncomeTaxAuthorityAxis" xml:lang="en-US">Income Tax Authority [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="us-gaap_IncomeTaxAuthorityDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxAuthorityDomain" xlink:to="lab_IncomeTaxAuthorityDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncomeTaxAuthorityDomain" xml:lang="en-US">Income Tax Authority [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLossCarryforwardsLineItems" xlink:label="us-gaap_OperatingLossCarryforwardsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLossCarryforwardsLineItems" xlink:to="lab_OperatingLossCarryforwardsLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OperatingLossCarryforwardsLineItems" xml:lang="en-US">Operating Loss Carryforwards [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTitleOfIndividualAndByTypeOfDeferredCompensationTable" xlink:label="us-gaap_ScheduleOfDeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTitleOfIndividualAndByTypeOfDeferredCompensationTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTitleOfIndividualAndByTypeOfDeferredCompensationTable" xlink:to="lab_ScheduleOfDeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTitleOfIndividualAndByTypeOfDeferredCompensationTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfDeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTitleOfIndividualAndByTypeOfDeferredCompensationTable" xml:lang="en-US">Schedule of Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits, by Title of Individual and by Type of Deferred Compensation [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTypeOfDeferredCompensationAxis" xlink:label="us-gaap_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTypeOfDeferredCompensationAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTypeOfDeferredCompensationAxis" xlink:to="lab_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTypeOfDeferredCompensationAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsByTypeOfDeferredCompensationAxis" xml:lang="en-US">Deferred Bonus and Profit Sharing Plan, Type of Deferred Compensation [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TypeOfDeferredCompensationDomain" xlink:label="us-gaap_TypeOfDeferredCompensationDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TypeOfDeferredCompensationDomain" xlink:to="lab_TypeOfDeferredCompensationDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_TypeOfDeferredCompensationDomain" xml:lang="en-US">Type of Deferred Compensation, All Types [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsLineItems" xlink:label="us-gaap_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsLineItems" xlink:to="lab_DeferredCompensationArrangementWithIndividualExcludingShareBasedPaymentsAndPostretirementBenefitsLineItems" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:label="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:to="lab_ScheduleOfDefinedBenefitPlansDisclosuresTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfDefinedBenefitPlansDisclosuresTable" xml:lang="en-US">Schedule of Defined Benefit Plans Disclosures [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_FairValueByFairValueHierarchyLevelAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueByFairValueHierarchyLevelAxis" xml:lang="en-US">Fair Value, Hierarchy [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_FairValueMeasurementsFairValueHierarchyDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementsFairValueHierarchyDomain" xml:lang="en-US">Fair Value, Measurements, Fair Value Hierarchy [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:to="lab_DefinedBenefitPlanDisclosureLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DefinedBenefitPlanDisclosureLineItems" xml:lang="en-US">Defined Benefit Plan Disclosure [Line Items]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock" xlink:label="uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock" xlink:to="uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock_lbl" xml:lang="en-US">Schedule of Prepaid Reinsurance Premiums and Reinsurance Recoverables [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock_lbl" xml:lang="en-US">Prepaid reinsurance premiums and reinsurance recoverables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ScheduleOfPrepaidReinsurancePremiumsAndReinsuranceRecoverablesTableTextBlock_lbl" xml:lang="en-US">Tabular disclosure of prepaid reinsurance premiums and reinsurance recoverables.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock" xlink:label="uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock" xlink:to="uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock_lbl" xml:lang="en-US">Schedule of Commitments and Estimated Contingent Payments Obligated to Pay in Form of Salaries and Non Equity Incentive Compensation [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock_lbl" xml:lang="en-US">Commitments and estimated contingent payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ScheduleOfCommitmentsAndEstimatedContingentPaymentsObligatedToPayInFormOfSalariesAndNonEquityIncentiveCompensationTableTextBlock_lbl" xml:lang="en-US">Tabular disclosure of commitments and estimated contingent payments obligated to pay in form of salaries and non equity incentive compensation.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract" xlink:label="uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract" xlink:to="uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract_lbl" xml:lang="en-US">Employee Service Share Based Compensation Cost Not Yet Recognized and Weighted Average Period [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract_lbl" xml:lang="en-US">Unrecognized compensation expense and the weighted average period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EmployeeServiceShareBasedCompensationCostNotYetRecognizedAndWeightedAveragePeriodAbstract_lbl" xml:lang="en-US">Employee service share based compensation cost not yet recognized and weighted average period.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xlink:label="us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xlink:to="lab_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xml:lang="en-US">Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xml:lang="en-US">Beginning and ending balances and the changes in DPAC, net of DRCC</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:label="us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US">Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US">Certain information related to stock options and non-vested shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock" xlink:label="us-gaap_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock" xlink:to="lab_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock" xml:lang="en-US">Schedule of Unrecognized Compensation Cost, Nonvested Awards [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock" xml:lang="en-US">Unrecognized compensation expense and the weighted average period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DirectPremiumsEarnedPropertyAndCasualty" xlink:label="us-gaap_DirectPremiumsEarnedPropertyAndCasualty" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DirectPremiumsEarnedPropertyAndCasualty" xlink:to="lab_DirectPremiumsEarnedPropertyAndCasualty" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DirectPremiumsEarnedPropertyAndCasualty" xml:lang="en-US">Direct Premiums Earned, Property and Casualty</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DirectPremiumsEarnedPropertyAndCasualty" xml:lang="en-US">Direct Premiums Earned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" xlink:label="us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" xlink:to="lab_PolicyholderBenefitsAndClaimsIncurredGross" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PolicyholderBenefitsAndClaimsIncurredGross" xml:lang="en-US">Policyholder Benefits and Claims Incurred, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_PolicyholderBenefitsAndClaimsIncurredGross" xml:lang="en-US">Direct Loss and Loss Adjustment Expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CededPremiumsEarnedPropertyAndCasualty" xlink:label="us-gaap_CededPremiumsEarnedPropertyAndCasualty" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CededPremiumsEarnedPropertyAndCasualty" xlink:to="lab_CededPremiumsEarnedPropertyAndCasualty" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CededPremiumsEarnedPropertyAndCasualty" xml:lang="en-US">Ceded Premiums Earned, Property and Casualty</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_CededPremiumsEarnedPropertyAndCasualty" xml:lang="en-US">Ceded Premiums Earned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredChargesPolicyTextBlock" xlink:label="us-gaap_DeferredChargesPolicyTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredChargesPolicyTextBlock" xlink:to="lab_DeferredChargesPolicyTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredChargesPolicyTextBlock" xml:lang="en-US">Deferred Charges, Policy [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredChargesPolicyTextBlock" xml:lang="en-US">Deferred Policy Acquisition Costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ReinsuranceAccountingPolicy" xlink:label="us-gaap_ReinsuranceAccountingPolicy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReinsuranceAccountingPolicy" xlink:to="lab_ReinsuranceAccountingPolicy" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ReinsuranceAccountingPolicy" xml:lang="en-US">Reinsurance Accounting Policy [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ReinsuranceAccountingPolicy" xml:lang="en-US">Reinsurance Recoverable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsRegulatoryAssetsAndLiabilities" xlink:label="us-gaap_DeferredTaxAssetsRegulatoryAssetsAndLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsRegulatoryAssetsAndLiabilities" xlink:to="lab_DeferredTaxAssetsRegulatoryAssetsAndLiabilities" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredTaxAssetsRegulatoryAssetsAndLiabilities" xml:lang="en-US">Deferred Tax Assets, Regulatory Assets and Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredTaxAssetsRegulatoryAssetsAndLiabilities" xml:lang="en-US">Advanced premiums</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsInvestments" xlink:label="us-gaap_DeferredTaxAssetsInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsInvestments" xlink:to="lab_DeferredTaxAssetsInvestments" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredTaxAssetsInvestments" xml:lang="en-US">Deferred Tax Assets, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredTaxAssetsInvestments" xml:lang="en-US">Additional tax basis of securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SignificantAcquisitionsAndDisposalsTransactionDomain" xlink:label="us-gaap_SignificantAcquisitionsAndDisposalsTransactionDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAcquisitionsAndDisposalsTransactionDomain" xlink:to="lab_SignificantAcquisitionsAndDisposalsTransactionDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_SignificantAcquisitionsAndDisposalsTransactionDomain" xml:lang="en-US">Significant Acquisitions and Disposals, Transaction [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AcquisitionRelatedCostsMember" xlink:label="us-gaap_AcquisitionRelatedCostsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AcquisitionRelatedCostsMember" xlink:to="lab_AcquisitionRelatedCostsMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AcquisitionRelatedCostsMember" xml:lang="en-US">Acquisition-related Costs [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AcquisitionRelatedCostsMember" xml:lang="en-US">Acquisition-related Costs [Member]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" xlink:to="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber_lbl" xml:lang="en-US">Share Based Compensation Arrangement by Share Based Payment Award Options Vested Outstanding Number</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber_lbl" xml:lang="en-US">Stock Options Number of Shares Vested</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award options vested outstanding number.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice" xlink:to="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice_lbl" xml:lang="en-US">Share Based Compensation Arrangement by Share Based Payment Award Options Vested Outstanding Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice_lbl" xml:lang="en-US">Stock Options Weighted Average Exercise Price Vested</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingWeightedAverageExercisePrice_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award options vested outstanding weighted average exercise price.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="us-gaap_PaymentsOfDividendsCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="lab_PaymentsOfDividendsCommonStock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PaymentsOfDividendsCommonStock" xml:lang="en-US">Payments of Ordinary Dividends, Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_PaymentsOfDividendsCommonStock" xml:lang="en-US">Common stock dividend</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" xlink:label="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" xlink:to="lab_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" xml:lang="en-US">Ten percent of total liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" xml:lang="en-US">Statutory Accounting Practices, Statutory Capital and Surplus Required</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" xml:lang="en-US">Restricted Stock Number of Shares Exercised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExpirations" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExpirations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExpirations" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExpirations" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExpirations" xml:lang="en-US">Restricted Stock Number of Shares Expired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExpirations" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Expirations</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue" xlink:to="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Share Based Compensation Arrangement by Share Based Payment Award Equity Instruments Other than Options Exercised in Period Weighted Average Grant Date Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Non vested shares weighted average grand date fair value.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Restricted Stock Weighted Average Grant Date Fair Value Exercised</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue" xlink:to="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Share Based Compensation Arrangement by Share Based Payment Award Equity Instruments Other than Options Expired in Period Weighted Average Grant Date Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Non vested shares weighted average grant date fair value.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Restricted Stock Weighted Average Grant Date Fair Value Expired</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SharesAcquiredThroughCashlessExercise" xlink:label="uve_SharesAcquiredThroughCashlessExercise" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SharesAcquiredThroughCashlessExercise" xlink:to="uve_SharesAcquiredThroughCashlessExercise_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SharesAcquiredThroughCashlessExercise_lbl" xml:lang="en-US">Shares Acquired through Cashless Exercise</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SharesAcquiredThroughCashlessExercise_lbl" xml:lang="en-US">Shares acquired through cashless exercise(1)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SharesAcquiredThroughCashlessExercise_lbl" xml:lang="en-US">Shares acquired through cashless exercise.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ValueOfSharesAcquired" xlink:label="uve_ValueOfSharesAcquired" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ValueOfSharesAcquired" xlink:to="uve_ValueOfSharesAcquired_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ValueOfSharesAcquired_lbl" xml:lang="en-US">Value of Shares Acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ValueOfSharesAcquired_lbl" xml:lang="en-US">Value of shares acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ValueOfSharesAcquired_lbl" xml:lang="en-US">Value of shares acquired.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsAxis" xlink:label="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsAxis" xlink:to="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsAxis_lbl" xml:lang="en-US">Cash and Cash Equivalents and Restricted Cash and Restricted Cash Equivalents [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsAxis_lbl" xml:lang="en-US">Cash and cash equivalents and restricted cash and restricted cash equivalents.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsDomain" xlink:label="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsDomain" xlink:to="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsDomain_lbl" xml:lang="en-US">Cash and Cash Equivalents and Restricted Cash and Restricted Cash Equivalents [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CashAndCashEquivalentsAndRestrictedCashAndRestrictedCashEquivalentsDomain_lbl" xml:lang="en-US">Cash and cash equivalents and restricted cash and restricted cash equivalents.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_StockholdersEquityTextualAbstract" xlink:label="uve_StockholdersEquityTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_StockholdersEquityTextualAbstract" xlink:to="uve_StockholdersEquityTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_StockholdersEquityTextualAbstract_lbl" xml:lang="en-US">Stockholders' Equity (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_StockholdersEquityTextualAbstract_lbl" xml:lang="en-US">Stockholders' equity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_StockholdersEquityTextualAbstract_lbl" xml:lang="en-US">Stockholders' Equity (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ScheduleOfSignificantAccountingPoliciesTable" xlink:label="uve_ScheduleOfSignificantAccountingPoliciesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ScheduleOfSignificantAccountingPoliciesTable" xlink:to="uve_ScheduleOfSignificantAccountingPoliciesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ScheduleOfSignificantAccountingPoliciesTable_lbl" xml:lang="en-US">Schedule of Significant Accounting Policies [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ScheduleOfSignificantAccountingPoliciesTable_lbl" xml:lang="en-US">Schedule of significant accounting policies.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SignificantAccountingPoliciesAxis" xlink:label="uve_SignificantAccountingPoliciesAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SignificantAccountingPoliciesAxis" xlink:to="uve_SignificantAccountingPoliciesAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SignificantAccountingPoliciesAxis_lbl" xml:lang="en-US">Significant Accounting Policies [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SignificantAccountingPoliciesAxis_lbl" xml:lang="en-US">Significant accounting policies.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SignificantAccountingPoliciesAdditionalTextualAbstract" xlink:label="uve_SignificantAccountingPoliciesAdditionalTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SignificantAccountingPoliciesAdditionalTextualAbstract" xlink:to="uve_SignificantAccountingPoliciesAdditionalTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SignificantAccountingPoliciesAdditionalTextualAbstract_lbl" xml:lang="en-US">Significant Accounting Policies (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SignificantAccountingPoliciesAdditionalTextualAbstract_lbl" xml:lang="en-US">Significant Accounting Policies (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SignificantAccountingPoliciesAdditionalTextualAbstract_lbl" xml:lang="en-US">Significant accounting policies.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SignificantAccountingPoliciesLineItems" xlink:label="uve_SignificantAccountingPoliciesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SignificantAccountingPoliciesLineItems" xlink:to="uve_SignificantAccountingPoliciesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SignificantAccountingPoliciesLineItems_lbl" xml:lang="en-US">Significant Accounting Policies [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SignificantAccountingPoliciesLineItems_lbl" xml:lang="en-US">Significant accounting policies.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SignificantAccountingPoliciesTextualAbstract" xlink:label="uve_SignificantAccountingPoliciesTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SignificantAccountingPoliciesTextualAbstract" xlink:to="uve_SignificantAccountingPoliciesTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SignificantAccountingPoliciesTextualAbstract_lbl" xml:lang="en-US">Significant Accounting Policies (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SignificantAccountingPoliciesTextualAbstract_lbl" xml:lang="en-US">Significant Accounting Policies (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SignificantAccountingPoliciesTextualAbstract_lbl" xml:lang="en-US">Significant accounting policies.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_MinimumCapitalRequired" xlink:label="uve_MinimumCapitalRequired" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_MinimumCapitalRequired" xlink:to="uve_MinimumCapitalRequired_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_MinimumCapitalRequired_lbl" xml:lang="en-US">Minimum Capital Required</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_MinimumCapitalRequired_lbl" xml:lang="en-US">Minimum capital required.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_MinimumCapitalRequired_lbl" xml:lang="en-US">Minimum capital required</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_OdysseyReinsuranceCompanyMember" xlink:label="uve_OdysseyReinsuranceCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_OdysseyReinsuranceCompanyMember" xlink:to="uve_OdysseyReinsuranceCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_OdysseyReinsuranceCompanyMember_lbl" xml:lang="en-US">Odyssey Reinsurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_OdysseyReinsuranceCompanyMember_lbl" xml:lang="en-US">Odyssey reinsurance company.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_OdysseyReinsuranceCompanyMember_lbl" xml:lang="en-US">Odyssey Reinsurance Company [Member]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember" xlink:to="uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember_lbl" xml:lang="en-US">Equity Securities Exchange Traded and Mutual Funds Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EquitySecuritiesExchangeTradedAndMutualFundsEnergyMember_lbl" xml:lang="en-US">Equity securities exchange traded and mutual funds energy.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_NonHedgingDerivativeAssetsMember" xlink:label="uve_NonHedgingDerivativeAssetsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_NonHedgingDerivativeAssetsMember" xlink:to="uve_NonHedgingDerivativeAssetsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_NonHedgingDerivativeAssetsMember_lbl" xml:lang="en-US">Non Hedging Derivative Assets [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_NonHedgingDerivativeAssetsMember_lbl" xml:lang="en-US">Non-hedging derivative asset [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_NonHedgingDerivativeAssetsMember_lbl" xml:lang="en-US">Non hedging derivative assets.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ReinsuranceReceivablesCaseBasis" xlink:label="us-gaap_ReinsuranceReceivablesCaseBasis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReinsuranceReceivablesCaseBasis" xlink:to="lab_ReinsuranceReceivablesCaseBasis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ReinsuranceReceivablesCaseBasis" xml:lang="en-US">Reinsurance receivables, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ReinsuranceReceivablesCaseBasis" xml:lang="en-US">Reinsurance Receivables, Case Basis</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:label="us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:to="lab_ComprehensiveIncomePolicyPolicyTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ComprehensiveIncomePolicyPolicyTextBlock" xml:lang="en-US">Comprehensive Income, Policy [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ComprehensiveIncomePolicyPolicyTextBlock" xml:lang="en-US">Comprehensive Income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:label="us-gaap_FairValueMeasurementPolicyPolicyTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="lab_FairValueMeasurementPolicyPolicyTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US">Fair Value Measurement, Policy [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US">Fair Value Measurement</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_PercentageOfPremiumCeded" xlink:label="uve_PercentageOfPremiumCeded" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_PercentageOfPremiumCeded" xlink:to="uve_PercentageOfPremiumCeded_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_PercentageOfPremiumCeded_lbl" xml:lang="en-US">Percentage of Premium Ceded</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_PercentageOfPremiumCeded_lbl" xml:lang="en-US">Percentage of premium ceded.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_PercentageOfPremiumCeded_lbl" xml:lang="en-US">Percentage of premium ceded</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_IncreaseInProfitabilityOverContractTerm" xlink:label="uve_IncreaseInProfitabilityOverContractTerm" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_IncreaseInProfitabilityOverContractTerm" xlink:to="uve_IncreaseInProfitabilityOverContractTerm_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_IncreaseInProfitabilityOverContractTerm_lbl" xml:lang="en-US">Increase in Profitability over Contract Term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_IncreaseInProfitabilityOverContractTerm_lbl" xml:lang="en-US">Increase in profitability over the contract term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_IncreaseInProfitabilityOverContractTerm_lbl" xml:lang="en-US">Increase in profitability over the contract term.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalizationLongtermDebtAndEquity" xlink:label="us-gaap_CapitalizationLongtermDebtAndEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalizationLongtermDebtAndEquity" xlink:to="lab_CapitalizationLongtermDebtAndEquity" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CapitalizationLongtermDebtAndEquity" xml:lang="en-US">Capitalization, Long-term Debt and Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CapitalizationLongtermDebtAndEquity" xml:lang="en-US">Capitalization maintained by the company</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_RelatedPartyTransactionsTextualAbstract" xlink:label="uve_RelatedPartyTransactionsTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_RelatedPartyTransactionsTextualAbstract" xlink:to="uve_RelatedPartyTransactionsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_RelatedPartyTransactionsTextualAbstract_lbl" xml:lang="en-US">Related Party Transactions (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_RelatedPartyTransactionsTextualAbstract_lbl" xml:lang="en-US">Related party transactions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_RelatedPartyTransactionsTextualAbstract_lbl" xml:lang="en-US">Related Party Transactions (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:label="us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:to="lab_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xml:lang="en-US">Payments Related to Tax Withholding for Share-based Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xml:lang="en-US">Payments related to tax withholding for share-based compensation</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CommitmentsAndContingenciesTextualAbstract" xlink:label="uve_CommitmentsAndContingenciesTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CommitmentsAndContingenciesTextualAbstract" xlink:to="uve_CommitmentsAndContingenciesTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CommitmentsAndContingenciesTextualAbstract_lbl" xml:lang="en-US">Commitments and Contingencies (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_CommitmentsAndContingenciesTextualAbstract_lbl" xml:lang="en-US">Commitments and Contingencies (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CommitmentsAndContingenciesTextualAbstract_lbl" xml:lang="en-US">Commitments and contingencies.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SunTrustBankEscrowServicesMember" xlink:label="uve_SunTrustBankEscrowServicesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SunTrustBankEscrowServicesMember" xlink:to="uve_SunTrustBankEscrowServicesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SunTrustBankEscrowServicesMember_lbl" xml:lang="en-US">Sun Trust Bank Escrow Services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SunTrustBankEscrowServicesMember_lbl" xml:lang="en-US">Sun Trust Bank Escrow Services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SunTrustBankEscrowServicesMember_lbl" xml:lang="en-US">Sun trust bank escrow services.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity" xlink:label="uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity" xlink:to="uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity_lbl" xml:lang="en-US">Unsecured Amounts Due from Reinsurers Exceeding Fixed Percentage of Stockholders Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity_lbl" xml:lang="en-US">Unsecured amounts due from reinsurers exceeding a fixed percentage of stockholders equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_UnsecuredAmountsDueFromReinsurersExceedingFixedPercentageOfStockholdersEquity_lbl" xml:lang="en-US">Represents that unsecured recoverable amounts from reinsurers that exceed a fixed percentage of the company's stockholders' equity for purposes of disclosing concentration of risk.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ReinsuranceRecoverablesAndReceivables" xlink:label="uve_ReinsuranceRecoverablesAndReceivables" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ReinsuranceRecoverablesAndReceivables" xlink:to="uve_ReinsuranceRecoverablesAndReceivables_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ReinsuranceRecoverablesAndReceivables_lbl" xml:lang="en-US">Reinsurance Recoverables and Receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="uve_ReinsuranceRecoverablesAndReceivables_lbl" xml:lang="en-US">Reinsurance recoverables and receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ReinsuranceRecoverablesAndReceivables_lbl" xml:lang="en-US">Reinsurance recoverables and receivables.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="us-gaap_LiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="lab_LiabilitiesAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LiabilitiesAbstract" xml:lang="en-US">Liabilities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LiabilitiesAbstract" xml:lang="en-US">LIABILITIES:</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns" xlink:label="uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns" xlink:to="uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns_lbl" xml:lang="en-US">Effective Income Tax Rate Reconciliation True up to Prior Year Tax Returns</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns_lbl" xml:lang="en-US">True-up to prior year tax returns</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_EffectiveIncomeTaxRateReconciliationTrueUpToPriorYearTaxReturns_lbl" xml:lang="en-US">Effective income tax rate reconciliation true up to prior year tax returns.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_MinimumCapitalizationRate" xlink:label="uve_MinimumCapitalizationRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_MinimumCapitalizationRate" xlink:to="uve_MinimumCapitalizationRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_MinimumCapitalizationRate_lbl" xml:lang="en-US">Minimum Capitalization Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_MinimumCapitalizationRate_lbl" xml:lang="en-US">Minimum capitalization rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_MinimumCapitalizationRate_lbl" xml:lang="en-US">Minimum capitalization rate</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_InsuranceOperationsAdditionalTextualAbstract" xlink:label="uve_InsuranceOperationsAdditionalTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_InsuranceOperationsAdditionalTextualAbstract" xlink:to="uve_InsuranceOperationsAdditionalTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_InsuranceOperationsAdditionalTextualAbstract_lbl" xml:lang="en-US">Insurance Operations (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_InsuranceOperationsAdditionalTextualAbstract_lbl" xml:lang="en-US">Insurance operations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_InsuranceOperationsAdditionalTextualAbstract_lbl" xml:lang="en-US">Insurance Operations (Additional Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember" xlink:to="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">American Platinum Property and Casualty Insurance Company and Universal Property and Casualty Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">UPCIC and APPCIC [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember_lbl" xml:lang="en-US">American platinum property and casualty insurance company and universal property and casualty insurance company.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsGrossAbstract" xlink:label="us-gaap_DeferredTaxAssetsGrossAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsGrossAbstract" xlink:to="lab_DeferredTaxAssetsGrossAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredTaxAssetsGrossAbstract" xml:lang="en-US">Deferred Tax Assets, Gross [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredTaxAssetsGrossAbstract" xml:lang="en-US">Deferred income tax assets:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxLiabilitiesAbstract" xlink:label="us-gaap_DeferredTaxLiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesAbstract" xlink:to="lab_DeferredTaxLiabilitiesAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredTaxLiabilitiesAbstract" xml:lang="en-US">Deferred Tax Liabilities, Gross [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredTaxLiabilitiesAbstract" xml:lang="en-US">Deferred income tax liabilities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:to="lab_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xml:lang="en-US">Components of Deferred Tax Assets and Liabilities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xml:lang="en-US">Deferred income tax effects of temporary differences</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:to="lab_CashAndCashEquivalentsAtCarryingValueAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CashAndCashEquivalentsAtCarryingValueAbstract" xml:lang="en-US">Cash and cash equivalents and restricted cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CashAndCashEquivalentsAtCarryingValueAbstract" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_lbl" xml:lang="en-US">Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_lbl" xml:lang="en-US">The assets accounted for at fair value on a recurring basis</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract" xlink:to="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract_lbl" xml:lang="en-US">Composition of Insurance Entities Aggregate Policies in Force [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract_lbl" xml:lang="en-US">Composition of Insurance Entities' aggregate policies-in-force</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceAbstract_lbl" xml:lang="en-US">Composition of insurance entities aggregate policies-in-force.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_WindCoverageFloridaMember" xlink:label="uve_WindCoverageFloridaMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_WindCoverageFloridaMember" xlink:to="uve_WindCoverageFloridaMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_WindCoverageFloridaMember_lbl" xml:lang="en-US">Wind Coverage Florida [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_WindCoverageFloridaMember_lbl" xml:lang="en-US">With Wind Coverage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_WindCoverageFloridaMember_lbl" xml:lang="en-US">Wind coverage Florida.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_FloridaMember" xlink:label="uve_FloridaMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_FloridaMember" xlink:to="uve_FloridaMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_FloridaMember_lbl" xml:lang="en-US">Florida [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_FloridaMember_lbl" xml:lang="en-US">In Florida [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_FloridaMember_lbl" xml:lang="en-US">Florida.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_PercentageOfPoliciesInForce" xlink:label="uve_PercentageOfPoliciesInForce" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_PercentageOfPoliciesInForce" xlink:to="uve_PercentageOfPoliciesInForce_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_PercentageOfPoliciesInForce_lbl" xml:lang="en-US">Percentage of Policies in Force</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_PercentageOfPoliciesInForce_lbl" xml:lang="en-US">Percentage of Policies-In-Force</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_PercentageOfPoliciesInForce_lbl" xml:lang="en-US">Percentage of policies-in-force.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock" xlink:to="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock_lbl" xml:lang="en-US">Composition of Insurance Entities Aggregate Policies in Force [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock_lbl" xml:lang="en-US">Composition of Insurance Entities' aggregate policies-in-force</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_CompositionOfInsuranceEntitiesAggregatePoliciesInForceTableTextBlock_lbl" xml:lang="en-US">Composition of insurance entities aggregate policies-in-force.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock" xlink:label="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock" xlink:to="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock_lbl" xml:lang="en-US">Schedule of Assets Held by Insurance Regulators [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock_lbl" xml:lang="en-US">Assets held by insurance regulators</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_ScheduleOfAssetsHeldByInsuranceRegulatorsTableTextBlock_lbl" xml:lang="en-US">Schedule of assets held by insurance regulators.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AssetsHeldByInsuranceRegulators" xlink:label="us-gaap_AssetsHeldByInsuranceRegulators" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsHeldByInsuranceRegulators" xlink:to="lab_AssetsHeldByInsuranceRegulators" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AssetsHeldByInsuranceRegulators" xml:lang="en-US">Assets Held by Insurance Regulators</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AssetsHeldByInsuranceRegulators" xml:lang="en-US">Assets Held by Insurance Regulators</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="us-gaap_BalanceSheetLocationAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BalanceSheetLocationAxis" xlink:to="lab_BalanceSheetLocationAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_BalanceSheetLocationAxis" xml:lang="en-US">Balance Sheet Location [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="us-gaap_BalanceSheetLocationDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BalanceSheetLocationDomain" xlink:to="lab_BalanceSheetLocationDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_BalanceSheetLocationDomain" xml:lang="en-US">Balance Sheet Location [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentsMember" xlink:label="us-gaap_InvestmentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsMember" xlink:to="lab_InvestmentsMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_InvestmentsMember" xml:lang="en-US">Investments [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:label="us-gaap_RestrictedCashAndInvestmentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:to="lab_RestrictedCashAndInvestmentsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_RestrictedCashAndInvestmentsAbstract" xml:lang="en-US">Restricted Cash and Investments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_RestrictedCashAndInvestmentsAbstract" xml:lang="en-US">Assets held by insurance regulators</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross" xlink:to="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross_lbl" xml:lang="en-US">Deferred Policy Acquisition Costs and Deferred Reinsurance Ceding Commissions Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross_lbl" xml:lang="en-US">DPAC, end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross_lbl" xml:lang="en-US">DPAC, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsGross_lbl" xml:lang="en-US">Deferred policy acquisition costs and deferred reinsurance ceding commissions gross.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross" xlink:to="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross_lbl" xml:lang="en-US">Deferred Policy Acquisition Costs and Deferred Reinsurance Ceding Commissions Capitalized Costs Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross_lbl" xml:lang="en-US">Capitalized costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsCapitalizedCostsGross_lbl" xml:lang="en-US">Deferred policy acquisition costs and deferred reinsurance ceding commissions capitalized costs gross.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross" xlink:to="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross_lbl" xml:lang="en-US">Deferred Policy Acquisition Costs and Deferred Reinsurance Ceding Commissions Amortization Expense Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross_lbl" xml:lang="en-US">Amortization of DPAC</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DeferredPolicyAcquisitionCostsAndDeferredReinsuranceCedingCommissionsAmortizationExpenseGross_lbl" xml:lang="en-US">Deferred policy acquisition costs and deferred reinsurance ceding commissions amortization expense gross.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_WriteOffOfReinsuranceReceivable" xlink:label="uve_WriteOffOfReinsuranceReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_WriteOffOfReinsuranceReceivable" xlink:to="uve_WriteOffOfReinsuranceReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_WriteOffOfReinsuranceReceivable_lbl" xml:lang="en-US">Write off of Reinsurance Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_WriteOffOfReinsuranceReceivable_lbl" xml:lang="en-US">Write-off of the reinsurance receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_WriteOffOfReinsuranceReceivable_lbl" xml:lang="en-US">Write-off of the reinsurance receivable.</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_DividendIncomeFromSubsidiary" xlink:label="uve_DividendIncomeFromSubsidiary" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_DividendIncomeFromSubsidiary" xlink:to="uve_DividendIncomeFromSubsidiary_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_DividendIncomeFromSubsidiary_lbl" xml:lang="en-US">Dividend Income from Subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_DividendIncomeFromSubsidiary_lbl" xml:lang="en-US">Dividend paid to parent company</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_DividendIncomeFromSubsidiary_lbl" xml:lang="en-US">Dividend income from subsidiary.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatutoryAccountingPracticesDisclosureTextBlock" xlink:label="us-gaap_StatutoryAccountingPracticesDisclosureTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesDisclosureTextBlock" xlink:to="lab_StatutoryAccountingPracticesDisclosureTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_StatutoryAccountingPracticesDisclosureTextBlock" xml:lang="en-US">Statutory Accounting Practices Disclosure [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_StatutoryAccountingPracticesDisclosureTextBlock" xml:lang="en-US">Statutory capital and surplus, and an amount representing ten percent of total liabilities for both UPCIC and APPCIC</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_FairValueMeasurementsTextualAbstract" xlink:label="uve_FairValueMeasurementsTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_FairValueMeasurementsTextualAbstract" xlink:to="uve_FairValueMeasurementsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_FairValueMeasurementsTextualAbstract_lbl" xml:lang="en-US">Fair Value Measurements (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_FairValueMeasurementsTextualAbstract_lbl" xml:lang="en-US">Fair Value Measurements (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount" xlink:label="us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsLevel1ToLevel2TransfersAmount" xlink:to="lab_FairValueAssetsLevel1ToLevel2TransfersAmount" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsLevel1ToLevel2TransfersAmount" xml:lang="en-US">Fair Value, Assets, Level 1 to Level 2 Transfers, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueAssetsLevel1ToLevel2TransfersAmount" xml:lang="en-US">Fair value of transferred equity securities</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_SubsequentEventsTextualAbstract" xlink:label="uve_SubsequentEventsTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_SubsequentEventsTextualAbstract" xlink:to="uve_SubsequentEventsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_SubsequentEventsTextualAbstract_lbl" xml:lang="en-US">Subsequent Events (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_SubsequentEventsTextualAbstract_lbl" xml:lang="en-US">Subsequent events.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_SubsequentEventsTextualAbstract_lbl" xml:lang="en-US">Subsequent Events (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="uve-20120930.xsd#uve_NumberOfPoliciesInForceWithWindCoverage" xlink:label="uve_NumberOfPoliciesInForceWithWindCoverage" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="uve_NumberOfPoliciesInForceWithWindCoverage" xlink:to="uve_NumberOfPoliciesInForceWithWindCoverage_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="uve_NumberOfPoliciesInForceWithWindCoverage_lbl" xml:lang="en-US">Number of Policies in Force With Wind Coverage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="uve_NumberOfPoliciesInForceWithWindCoverage_lbl" xml:lang="en-US">Number of policies in force with wind coverage.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="uve_NumberOfPoliciesInForceWithWindCoverage_lbl" xml:lang="en-US">Number of policies in force with wind coverage</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_FL" xlink:label="stpr_FL" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="stpr_FL" xlink:to="lab_FL" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FL" xml:lang="en-US">FLORIDA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FL" xml:lang="en-US">FLORIDA [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_NC" xlink:label="stpr_NC" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="stpr_NC" xlink:to="lab_NC" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_NC" xml:lang="en-US">NORTH CAROLINA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_NC" xml:lang="en-US">NORTH CAROLINA [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_SC" xlink:label="stpr_SC" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="stpr_SC" xlink:to="lab_SC" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_SC" xml:lang="en-US">SOUTH CAROLINA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_SC" xml:lang="en-US">SOUTH CAROLINA [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_GA" xlink:label="stpr_GA" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="stpr_GA" xlink:to="lab_GA" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_GA" xml:lang="en-US">GEORGIA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_GA" xml:lang="en-US">GEORGIA [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_MA" xlink:label="stpr_MA" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="stpr_MA" xlink:to="lab_MA" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_MA" xml:lang="en-US">MASSACHUSETTS</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_MA" xml:lang="en-US">MASSACHUSETTS [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_MD" xlink:label="stpr_MD" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="stpr_MD" xlink:to="lab_MD" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_MD" xml:lang="en-US">MARYLAND</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_MD" xml:lang="en-US">MARYLAND [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xml:lang="en-US">Fair Value Measurements, Recurring and Nonrecurring [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="us-gaap_FairValueByAssetClassAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByAssetClassAxis" xlink:to="lab_FairValueByAssetClassAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueByAssetClassAxis" xml:lang="en-US">Asset Class [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:to="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xml:lang="en-US">Fair Value by Asset Class [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubsequentEventTable" xlink:to="lab_SubsequentEventTable" />
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