All You Need To Know About Utica First Insurance Company

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Have you been looking for an insurance company that does it all for you? An insurance company that sticks to its words and is transparent? One that doesn’t change policies whenever there’s a problem just so they can cart away your money without doing the needful? Well search no more, as Utica First Insurance Company is the one-stop solution to all your troubles and questions.

Just read on till the very end to understand everything as regards Utica First Insurance Company as well as their various programs. 

About Utica First Insurance Company

Utica First Insurance Company was started in 1903 as Utica First Insurance Company of Oneida County, NY by local Utica, New York businesses to service the property insurance needs of upstate New York citizens. 

From that humble beginning, it has grown into a corporation that actively writes business in Connecticut, Florida, Maryland, Massachusetts, New Jersey, New York, Ohio, Pennsylvania, and Virginia. Initially, the Company only wrote property insurance on an assessable basis. 

Its product line has now expanded to cover, among other things, Homeowners, Landlord Package, Restaurant and Tavern Program, Artisan Contractor Policies, and Business Owner Policies.

Advance Premium Cooperative is the name of the company. This means that policy premiums are no longer subject to review if the loss experience is poor. The company has developed from its humble origins, yet it remains small in comparison. 

This allows the Company to be more detailed about the policies, properties, and scenarios it wants to insure. Instead of attempting to be everything to everyone, the Company prefers to excel at a few things and highlight those strengths.

The Company has leveraged these capabilities to exclusively promote its products through Independent Agents. Over the last several years, we have grown at a faster rate and profitably than the industry. We plan to grow in a regulated manner by providing fair rates to better-than-average insured for the types of business we cover.

Utica First’s Personal Insurance

Utica First Insurance Company policies cover a wide range of house types, with coverage options to fit practically any customer.

Below are the personal insurance that Utica First Insurance Company covers

  1. Homeowners Program
  2. Landlord Program
  3. Umbrella Program
  4. Condominium Policies
  5. Tenant or Renters Policies

1. Homeowners Program

Home. It is a cherished possession for which you have worked hard.

Utica First Insurance works hard to safeguard what is essential to you. They accomplish this by providing you with important coverage that provides you with the peace of mind you deserve. See down for more information.

Standard Homeowner Policy Coverages:

  • Dwelling Coverage

Coverage for house repairs or rebuilding.

  • Coverage of Other Structures

Coverage for repairing or replacing a shed or detached garage on your property.

  • Personal Property Coverage 

This protects your stuff such as furniture, gadgets, clothing, and other items.

  • Coverage for Liability

Coverage for bodily harm or property damage for which you are legally liable.

  • Coverage for Loss of Use

Coverage to assist with the payment of additional living expenses incurred if you are unable to remain in your home while it is being repaired/restored following a covered loss.

Coverages that are optional:

  • Breakdown of Equipment

Mechanical, electrical, and pressure system failure coverage is usually excluded or limited in a basic homeowner policy.

  • Coverage of Service Lines

Coverage for underground piping or wiring that supplies their dwellings with electrical power, heating, natural gas, waste disposal, or water.

  • Scheduled or Blanket Jewelry

Jewellery coverage, either scheduled or blanket, is available for the damage or loss of your jewellery items.

  • Home-Based Business Insurance 

Coverage for the property and liability risks associated with running a small business out of your home.

  • Coverage Packages

We have several “package” endorsements that combine several valuable coverages into one — at a reduced price.

  • Boat Insurance 

This covers your boat, motor, and trailer/accessories.

There are discounts available for:

  • Homes that have recently been refurbished
  • New Homes
  • Central Station Alarms

2. Landlord Program

It is rewarding to get extra cash from a rental property. However, do you have adequate coverage in place in the event that something were to happen to that property? Well, Utica First Insurance Company does.

Standard Landlord Policy Coverages:

  • Dwelling coverage 

Coverage for house repairs or rebuilding.

  • Coverage of Other Structures

Coverage for the repair or replacement of a property outbuilding, such as a shed or detached garage.

  • Personal Property Coverage

Protects your belongings in the rental home, typically landlord furnishings.

  • Rent Loss Insurance

Coverage to assist with the payment of lost rental income while the residence is being repaired/restored following a covered loss.

  • Coverage for Liability

Coverage for bodily harm or property damage for which you are legally liable.

Coverages that are optional:

  • Increased Rent Loss: 

If the usual limit of coverage is insufficient, more coverage can be purchased to offset this loss of income.

  • Increased Private Structures: 

If the usual coverage limit is insufficient, more coverage can be applied to cover the additional structure.

  • Earthquake Insurance: 

This protects your home in the case of an earthquake.

3. Umbrella Program

Utica First Insurance Company promises you peace of mind. Which is that feeling you get when you don’t have to worry when anything whatsoever goes wrong. They promise to provide that extra layer of protection that keeps you worry-free.

In today’s world, an umbrella policy can assist protect you from litigation that results in significant jury awards and other expenses. All the more reason why you shouldn’t joke with the Utica First Insurance Company umbrella program.

4. Condominium Policies

You have made significant investments in your condo and want to ensure that it is adequately protected. Well, the one-stop solution to that problem is, without doubt, the Utica First Insurance Company.

Standard Condominium Policy Coverages:

  • Coverage for Dwellings, Additions, and Alterations

Coverage for repairing or rebuilding the interior of your units, such as cabinetry, floors, and walls.

  • Personal Property Coverage 

Protects your stuff such as furniture, gadgets, clothing, and other items.

  • Loss of Use Coverage 

Pays for additional living expenses incurred if you are unable to reside in your condo while it is being repaired/restored following a covered loss.

  • Coverage for Liability

For bodily harm or property damage for which you are legally liable.

Coverages that are optional:

  • Loss Assessment Coverage 

If the damage to commonly owned property exceeds a particular threshold, this coverage will protect you if the association assesses you for the difference.

  • Scheduled or Blanket Jewelry

Jewellery coverage, either scheduled or blanket, is available for the damage or loss of your jewellery items.

  • Home Based Business

Insurance for your property and liability liabilities associated with a small business operated in your unit.

  • Coverage Packages

We have several “package” endorsements that combine several valuable coverages into one — at a reduced price.

5. Tenant or Renters Policies

You’ve found a terrific rental property; now you need an excellent insurance company to secure your belongings. No insurance company other than Utica First Insurance Company should come to your mind.

Standard Tenant/Renters Policy Coverages:

  • ​​Personal Property Insurance

Coverage for your belongings, including furniture, gadgets, clothing, and other items.

  • Coverage for Loss of Use

Scope to assist with the payment of additional living expenses incurred if you are unable to remain in your home while it is being repaired/restored following a covered loss.

  • Coverage for Liability

Coverage for bodily harm or property damage for which you are legally liable.

Coverages that are optional:

  • Blanket or scheduled jewellery

Coverage is provided for the loss or damage of your jewellery goods.

  • Home-Based Enterprise

Coverage for your property and liability exposures associated with a small business operated in your home.

  • Coverage Packages

We have several “package” endorsements that combine several valuable coverages into one — at a reduced price.

Utica First Insurance Company Free Services

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Generally, all Utica Homeowners policyholders will receive the following services free of charge

  1. Identity Theft Resolution – 

Assist victims of identity theft and people who suspect fraudulent activity in their credit files. Policyholders will be allocated a professional fraud resolution expert, saving you months of tedious, time-consuming effort in regaining control of your identity.

  1. Identification Document Recovery – 

Aid with emergency authentication and collecting, replacing, or recreating lost or destroyed identification documents for victims of a natural disaster, flood, or home fire.

Please also keep in mind that not all programs are offered in all countries.

Utica First’s Commercial Insurance

Utica First Insurance Company is an industry pioneer in offering small and medium-sized businesses distinctive, cost-effective commercial insurance products.

Various programs that the Utica First Insurance Company covers include; 

  1. Artisan Contractors
  2. Restaurants & Food Service
  3. Apartments
  4. Auto Service & Repair Garages
  5. Offices
  6. Business Owner’s Program
  7. Excess & Umbrella Program

Let’s take an in-depth look at the various Utica Insurance Company Commercial Packages.

1. Artisan Contractors

Utica First Insurance Company offers cheap coverage to residential and commercial contracting firms with 10 or fewer employees. They can even create novel enterprises!

  • Carpentry
  • Drywall
  • Painting
  • Residential Electrician
  • Residential Plumbing
  • Cabinet Makers / Installers
  • Landscaping
  • Masonry
  • Heating and Air Conditioning

2. Restaurants & Food Service

This is even one of the fastest-growing products in Utica.

Types of restaurants and food services Utica Insures are;

  • Take-Out Places
  • Bagel Stores
  • Family Style Restaurants
  • Cafés
  • Delis
  • Franchise Restaurants
  • Pizza Shops
  • Diners
  • Bakeries
  • Fine Dining

3. Apartments

The property owner has particular obstacles when owning rental property. Utica Business owner policy can also protect you if your buildings are damaged and replace rental revenue if the business cannot be inhabited while repairs are being made.

They can also provide financial and legal protection if someone is wounded on your property.

4. Auto Service & Repair Garages

Do you own a car repair shop in your community? Utica First Insurance Company garage package can cover your facility, contents, tools, and the tools of your employees.

Highlights of this coverage policy 

  • ​​Commercial property insurance

Aids in the protection of your company’s physical location, as well as property such as tools, equipment, and inventory.

  • Insurance against general liability

Protects your company from the financial costs of property damage, bodily injury, personal injury, and advertising injury claims filed against it.

  • Business income protection insurance

When you are unable to conduct business due to a covered loss, such as a fire, this coverage helps to recover lost income.

  • Auto Liability for Non-Owned / Hired Vehicles

This coverage is included in all of our Auto Repair Businessowner policies and provides critical protection while staff are driving customer vehicles.

5. Offices

Many firms insure office hazards, but only Utica First Insurance Company includes FREE coverage for Employment Practices Liability, Data Compromise, and Identity Theft for Owners.

​​In today’s litigious world, you must contend with the danger of litigation from employees, customers, and computer and data difficulties. Utica First Insurance Company Office PAK provides an unparalleled combination of critical coverages in a single solution.

  • Doctors’ & Dentists’ offices
  • Accountants
  • Advertising
  • Business Consultants
  • Real Estate Offices
  • Travel Agency
  • Therapists
  • Mortgage Brokers
  • Insurance Agencies
  • Social Services

6. Business Owner’s Program

 Do you have a small business? In the event that someone is hurt in your institution, the Utica First Insurance Company Businessowner policy can provide financial protection and legal defence, as well as coverage for your own property in the event of a loss.

7. Excess & Umbrella Program

Utica First Insurance Company can provide an Excess and/or Umbrella policy in million-dollar increments up to $5,000,000. They can also write an Excess and/or Umbrella insurance to supplement your commercial auto coverage.

Utica First Insurance Company Payment Options

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The payment due date and minimum payment due are shown on the payment stub at the bottom of your bill. You can pay using the following methods:

  • Make the required minimum payment.
  • Complete payment policy (save future instalment fees)
  • Pay with a credit card or a check via the Internet.
  • Pay via credit card or check by phone
  • Mailing a check or money order 
  • Enrol in Auto-Pay 

Any cheques returned due to insufficient funds are subject to a $15.00 fee.

FAQs on Utica First Insurance Company

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Where is the headquarters of Utica First?

Utica First’s headquarters are located at 5981 Airport Rd, Oriskany, New York, 13424, USA.

What is the phone number for Utica First?

The phone number for Utica First is (315) 736-8211.

What is the official website of Utica First?

The official website of Utica First is www.uticafirst.com.

What is the revenue of Utica First?

The revenue of Utica First is $27 million.

What is the SIC code for Utica First?

SIC for Utica First: 63,633

Final Thoughts

We have come to the very end of this enlightening article on every single thing you need to know about Utica Insurance Company. Keep coming back for more, here on Expaat.com

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