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
Utica National / Utica First operate as regional P&C carriers with detailed, state‑filed manuals rather than a single marketing appetite sheet. For the requested lines, current guidance can be inferred from their homeowners agency underwriting manual (Utica First) and general workers compensation positioning (Utica National). HOMEOWNERS (PERSONAL LINES – UTICA FIRST, NY-FOCUSED BUT INDICATIVE OF APPETITE) Preferred / target risks - Owner‑occupied one‑ to four‑family dwellings with pride of ownership and average or better construction/maintenance; grounds free of debris and hazards.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) - Dwellings meeting standard protection requirements (within 1,000 feet of hydrant and 5 miles of responding fire department, or qualifying for the carrier’s “Suburban/True Protected” rating).([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_0822.pdf?utm_source=openai)) - Elite/Preferred programs focus on: - Dwelling age generally 20 years or newer. - Roof 20 years or newer. - Thermostatically controlled central heating with no supplemental solid‑fuel heat as primary source. - 100% insurance‑to‑value based on an approved replacement‑cost estimator (e.g., e2Value) with at least average/standard construction quality.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_0822.pdf?utm_source=openai)) - Generally loss‑free prior three years; occasional exceptions may be referred to an underwriter.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_0822.pdf?utm_source=openai)) Key eligibility / binding notes - Underwriting guidelines are used to decline risks prior to issuance and to cancel within the first 60 days for new business that fails criteria. Flat cancellation is allowed only during the first 30 days, with return premium refunded within a reasonable time.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_1124.pdf?utm_source=openai)) - New business coming from non‑standard, excess, or surplus lines markets is ineligible; likewise, risks cancelled or non‑renewed by prior carrier or with a lapse in coverage are ineligible for new business.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_1124.pdf?utm_source=openai)) - Company states it does not vary standards solely by age of structure or neighborhood, nor refuse to issue/renew solely due to age or location in a particular neighborhood (regulatory‑compliance statement, not an appetite expansion).([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_1124.pdf?utm_source=openai)) Risk assessment factors - Financial responsibility/creditworthiness is evaluated, typically via an Insurance Bureau Score Report, as part of stability assessment.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) - Quality of construction and housekeeping are important; homes should show clear maintenance and good condition to be placed in preferred tiers.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) Coverage‑specific restrictions - Hurricane / severe storm binding moratorium: no new coverage or increases in coverage may be bound in areas under an official hurricane or severe storm watch/warning until 24 hours after all warnings are rescinded and 72 hours after an actual hurricane passes.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) - Earthquake binding moratorium: no new earthquake coverage may be bound for 30 days following an earthquake, tremor, or aftershock affecting the area.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) - Specified Additional Amount of Insurance (Coverage A increase endorsement): only available for homes in protection classes 1–9 meeting rating rules; Long Island and the NYC five boroughs are not eligible for the 150% option and must be referred if outside criteria.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) - Water backup/sump overflow: any water‑related claims in the prior five years must be referred to a personal lines underwriter.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) Renewal / non‑renewal practices - Renewal eligibility follows separate renewal underwriting guidelines; non‑renewals are based on those standards while still subject to the non‑discrimination statements about age and neighborhood.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_1124.pdf?utm_source=openai)) - The company may refuse to renew coverage if the insured fails to complete and return a renewal questionnaire or survey.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) Producer / broker operational notes (homeowners) - Agents are expected to review the “PROHIBITED RISKS – DO NOT BIND” section of the manual for both new and renewal business before binding; this list governs automatic declines/mandatory referrals.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_1124.pdf?utm_source=openai)) - For elite/preferred programs, agents must: - Use an approved replacement‑cost estimator and document full insurance‑to‑value. - Apply minimum required deductibles, including any mandatory wind/hail deductibles and territory‑specific higher minimums (e.g., higher all‑peril deductibles downstate vs. upstate in NY).([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/manual/personal/NY_HO_Agency_Underwriting_Guidelines_0822.pdf?utm_source=openai)) - Many ancillary coverages (personal inland marine and other endorsements) have their own sections and binding guidelines within the manual; agents should cross‑reference those sections when adding endorsements.([secure.uticanational.com](https://secure.uticanational.com/RulCov-1Vol2/Rules/Personal/MANUAL/PDF%20-%20NY/Personal%20Homeowners%20Millennium/2763%20HO%20Millennium%20UNG/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020/2763A%20%28NY%29%20HO%20Millennium%20UNG%20Ed%2002-2020.pdf?utm_source=openai)) WORKERS COMPENSATION (UTICA NATIONAL) Current positioning - Utica National writes Workers’ Compensation and Employers Liability in multiple states as part of its commercial offerings (e.g., filings and regulatory listings show workers comp authority and loss‑cost multipliers under Utica Mutual / Utica National group).([insurance.kansas.gov](https://www.insurance.kansas.gov/companies/workers-compensation/workers-compensation-loss-cost-multipliers?utm_source=openai)) - The public‑facing WC page is marketing‑oriented (benefit and service focused) and does not publish a formal class‑by‑class appetite guide. It emphasizes claims support, employee safety resources, and premium audit processes rather than specific underwriting rules.([uticanational.com](https://www.uticanational.com/business-insurance/workers-compensation?utm_source=openai)) Inferred underwriting focus (WC) - Target accounts are standard commercial employers that benefit from the carrier’s risk‑management and claims services, with a focus on safety programs and accurate payroll/classification reporting (supported by their premium audit and risk‑management resources).([risk.uticanational.com](https://risk.uticanational.com/?utm_source=openai)) - As a mainstream admitted WC carrier, appetite will typically favor: - Well‑managed accounts with established operations and a stable payroll. - Clean or controllable loss experience and reasonable experience mods. - Proper use of NCCI or state‑specific class codes and rating programs (they reference NCCI underwriting tools and programs).([ncci.com](https://www.ncci.com/ServicesTools/Pages/RETROPLAN.aspx?utm_source=openai)) Operational notes / submission expectations (WC) - Submissions are expected to support accurate premium audit: provide complete payroll records, classification details, and certificates where any OCIP/CCIP coverage exists; Utica’s audit materials highlight the need for documentation of separate project‑provided WC when applicable.([uticaportal.microsoftcrmportals.com](https://uticaportal.microsoftcrmportals.com/premium-audit/?utm_source=openai)) - Agents and insureds are encouraged to utilize Utica’s risk‑management resources and safety materials; this is often viewed favorably in WC underwriting where strong safety culture reduces loss frequency and severity.([risk.uticanational.com](https://risk.uticanational.com/?utm_source=openai)) Gaps and cautions - There is no single, public "producer appetite guide" for Utica National workers compensation comparable to the detailed homeowners agency manual for Utica First; WC appetite (preferred vs. restricted/declined classes) should be confirmed with the local underwriter or marketing rep, especially for high‑hazard industries, large fleets, staffing, or construction wrap situations. - Some older Utica First materials explicitly note that Utica First itself does not write WC or auto; WC is instead written via other Utica National group companies. Agents must be careful not to assume that a homeowners‑eligible risk is automatically preferred for WC with Utica National.([agents.uticafirst.com](https://agents.uticafirst.com/agentportal/forms/SalesGuide3-20100819.pdf?utm_source=openai)) PRACTICAL BROKER TAKEAWAYS - For HOMEOWNERS with Utica First/Utica National: - Prioritize well‑maintained, owner‑occupied dwellings with newer structures/roofs, good protection class, stable finances, and clean recent loss history. - Avoid or pre‑clear with underwriting: non‑standard/excess‑origin business, any lapse or prior cancellation/non‑renewal, water‑loss history in last five years, and properties in storm‑sensitive territories when watches/warnings are active. - Use the filed manual for your state and adhere to “Do Not Bind” lists and moratorium rules; expect underwriter referral on anything outside the elite/preferred profile. - For WORKERS COMP with Utica National: - Treat appetite as mainstream admitted WC with standard emphasis on safety, loss control, and accurate audit data. - Provide full class coding, loss runs, and payroll detail up front; highlight safety programs and any engagement with Utica’s risk resources. - Always confirm appetite and pricing expectations with your WC underwriter for higher‑hazard classes or multi‑state exposures, as no public granular class list is available.