Utica First Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Utica First’s publicly verifiable current underwriting guidance is strongest on Personal Lines New York homeowners and related personal products. The verified NY personal underwriting guide is effective 11/01/2024 (rev. 09/24). For Home, target business includes standard owner-occupied dwellings, tenant and owner-occupied condo risks, and landlord package business; seasonal/secondary homes are allowed only with underwriter approval, Form 2 coverage, and only when Utica First also writes the primary homeowners policy. Standard-program dwelling values shown in the NY guide are generally $100,000 minimum in certain upstate territories, $150,000 minimum in certain downstate territories, and up to $500,000 for standard eligible risks in partially protected areas. Submission requirements include a mandatory E2Value estimator (or equivalent) using average/standard construction quality for homeowners and an estimator for replacement cost on landlord package risks. Personal inland marine is written with the homeowners policy, and items over $20,000 require current appraisals within 4 years. Personal umbrella requires signed applications to be submitted to and approved by the company before binding. Key personal-lines declinations/restrictions in the verified NY guide include trampolines, unfenced in-ground pools or any pool with a slide, tree forts/houses and other questionable liability exposures, isolated risks, open foundations, knob-and-tube or aluminum wiring, service below 100 amps, Federal Pacific breakers, flat/tar-and-gravel/wood/slate roofs, visibly deteriorated roofs, no central heat, and alternative solid-fuel heating such as coal or wood stoves. Personal umbrella also excludes assigned-risk or substandard-market auto drivers, drivers with recent DWI/DWAI, multiple violations/at-fault accidents, reckless driving, home day care, skateboard ramps, and similar liability hazards. For commercial, Utica First’s official site confirms appetite for small and medium-sized businesses and identifies niche programs for Artisan Contractors, Restaurants & Food Service, Apartments, Auto Service & Repair Garages, Offices, Food Trucks, Nail & Beauty, and BOP risks across its footprint. However, the only commercial underwriting manual found on the official site appears to be an older manual rather than a clearly current appetite guide. That manual indicates operational preferences and restrictions such as submit classes for some higher-hazard business (example: convenience stores with gas), no new business for some classes, apartment acceptance only for 5+ unit buildings, no rooming houses, no absentee landlords more than 50 miles away, restaurant business subject to food-service qualifications, assault-and-battery exclusion on certain food-service risks, semi-annual hood/duct service requirements, and no Protection Class 10 risks. Geographic footprint publicly shown on Utica First’s site is CT, FL, MA, MD, NJ, NY, OH, PA, and VA. Broker/producer notes: agent portal access supports quoting/binding, policy servicing, reports, commissions, and loss runs; not all programs are available in all territories; for commercial use caution because the verified public commercial manual located appears dated and should be treated as supplemental unless the carrier confirms it remains in force.