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
Verified official carrier presence at Utica National’s main website and agent portal. For Workers’ Compensation, public-facing guidance is broad rather than a formal appetite guide: Utica National positions WC as a core commercial line, highlights century-long experience, offers Right Pay/pay-as-you-go billing tied to payroll, Uti-CARE medical case management/cost containment, and risk management services for policyholders. Their commercial navigation indicates target segments across small business and multiple industry verticals including auto service/dealers, contractors, childcare, educational institutions, retailers, restaurants, wholesalers, light manufacturing/woodworking, and volunteer fire departments. Geographic note: Utica National displays a defined core business-state footprint of NH, MA, RI, CT, NY, NJ, DE, MD, DC, PA, VA, NC, SC, GA, TN, TX, OH, IN, and IL; availability varies by state. No public official WC class-by-class declination list was found, so restricted/declined classes are not publicly verified from carrier sources. Submission/producer notes publicly available: business is written through local independent agents; agents use the At Your Service portal and Premium Audit Reporting portal; WC insureds may use Right Pay, and NY claimants can receive direct-deposit claim payments. For Home, the verified official underwriting document is the NY Home Agency Underwriting Guidelines effective 11/01/2024 on the Utica First/agent portal, but the searchable public excerpt is limited. From the verified excerpt, this is a New York personal-lines homeowners underwriting guide with agency binding authority up to $750,000; no new coverage or increases may be bound while a hurricane watch alert is in effect; binder term cannot exceed 30 days; agents must notify the company within 3 working days of bound business using the required application/binder submission; and a replacement cost estimator is required for Replacement Cost provision. The excerpt also shows NY property value/territory parameters, including protected/semi-protected limits and higher minimum Coverage A in NYC/Nassau/Suffolk/Westchester/Rockland. Because the full PDF appears agent-portal controlled, additional preferred-risk, restricted, or declined home classes beyond the excerpt could not be fully verified publicly. Operationally: use Utica National for in-footprint independent-agent submissions, especially mainstream commercial/WC accounts in its named industry verticals; for NY Home, follow the 11/01/2024 agency guide closely on binding authority, catastrophe binding restrictions, prompt submission timing, and reconstruction-cost documentation.