Utica National 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
Official agent-facing guidance verified for Home and limited submission guidance verified for Workers Compensation. Home: Utica National’s New York Millennium Home underwriting manual/product guide targets 1-4 family owner-occupied dwellings, plus HO-4/HO-6, with seasonal/secondary homes eligible subject to surcharge and additional controls. Binding parameters shown in the NY product guide include HO-02/03/05 Coverage A minimums of $200,000 in Westchester/Putnam/Rockland/Long Island/NYC boroughs and $75,000 in the rest of New York, with maximums of $1.5M and $1.3M respectively; HO-4 minimum Coverage C $20,000; HO-6 minimum Coverage C $30,000. Preferred/acceptable characteristics include protection class 1-9, 1-4 family dwellings built as such (no converted dwellings/converted garages), updated systems, and central heating. Loss tolerance for new business is generally one weather loss and one loss of any type in the past 3 years; any liability or fire loss in the past 5 years requires personal lines underwriter approval before binding. Restricted/referral items include flat roofs, wood shake/shingle roofs, row houses, homes under renovation, coastal exposures, some water-backup histories, entire-residence home-sharing over 90 nights, certain optional endorsements, and condos with flat roofs as post-processing referrals. Declined/unacceptable or generally unacceptable risks include trampolines; homes on piers/stilts/open foundations unless engineered to FEMA elevation standards; brush/forest fire or wave-wash exposures; historic-registry homes; log homes; mobile homes; kerosene heaters; underground oil tanks; above-ground tanks with below-ground lines or lines under slabs; farming or daycare exposures; vacant properties; asbestos siding; EIFS/Dryvit built before 2004; Federal Pacific Stab-Lok or Zinsco panels/breakers; polybutylene plumbing; fuses, knob-and-tube, aluminum wiring; lead or galvanized plumbing; wood/coal furnaces; and some wood/pellet/coal/gas stove situations. Animal restrictions include any animal with vicious history plus certain dog breeds and exotic/large/farm animals. Geographic notes: this verified manual is New York-specific and includes separate coastal-property rules; coastal risks may require catastrophe deductibles, flood insurance if in flood zones, and may be ineligible for certain specialized/additional coverages. Seasonal/secondary homes must be on year-round maintained roads accessible to fire apparatus. Workers Compensation: verified current public-facing agent material is an agent reference guide rather than a full appetite guide. It shows Workers Compensation and Employers Liability are individually underwritten, highlights cost-containment, a savings report, and 24/7/365 claim reporting/contact, and indicates submissions should use ACORD applications with loss runs; statutory forms apply. Broker/producer notes: Utica National’s official For Agents page directs producers to the At Your Service agent portal and Premium Audit Reporting. The agent reference guide states coverage availability varies by state and all coverages are individually underwritten. Overall, verified public guidance is strongest for NY Home; for Workers Comp, the publicly verifiable guidance is primarily submission/producer process rather than detailed class appetite.