Utica National Insurance Group is a leading insurance provider offering a wide range of insurance products and services to individuals, businesses, and organizations. With a focus on property and casualty insurance, Utica National has built a reputation for financial strength, customer service, and tailored insurance solutions.
Business Insurance:
- Commercial Property Insurance:
- Utica National provides commercial property insurance to protect businesses’ physical assets, including buildings, equipment, inventory, and other property, against damage or loss from covered perils such as fire, theft, vandalism, or natural disasters.
- General Liability Insurance:
- General liability insurance from Utica National provides businesses with protection against claims of bodily injury, property damage, and advertising injury. This coverage helps safeguard businesses against lawsuits and financial losses resulting from covered incidents.
- Workers’ Compensation Insurance:
- Utica National offers workers’ compensation insurance to provide wage replacement and medical benefits to employees who suffer work-related injuries or illnesses. This coverage helps protect both employees and employers.
- Commercial Auto Insurance:
- Utica National provides commercial auto insurance coverage for businesses, offering protection for company-owned vehicles, liability coverage, physical damage coverage, and optional coverages tailored to specific business needs.
- Business Interruption Insurance:
- Business interruption insurance from Utica National helps businesses recover lost income and cover ongoing expenses in the event of a covered disruption or disaster that forces the business to temporarily close or relocate.
- Professional Liability Insurance:
- Utica National offers professional liability insurance, also known as errors and omissions (E&O) insurance, to protect professionals against claims of negligence or inadequate performance in the provision of their services. This coverage is available for various professions, including architects, engineers, lawyers, and consultants.
- Cyber Liability Insurance:
- Utica National provides cyber liability insurance to protect businesses against cyber threats, data breaches, and other cyber-related risks. Cyber insurance coverage includes protection for data breaches, extortion, business interruption, and liability claims.
Personal Insurance:
- Homeowners Insurance:
- Utica National offers homeowners insurance to protect homeowners’ properties against damage or loss from covered perils such as fire, theft, vandalism, or natural disasters. Coverage includes dwelling protection, personal property coverage, liability coverage, and additional living expenses.
- Auto Insurance:
- Utica National provides auto insurance coverage for cars, motorcycles, and other vehicles. Their auto insurance policies include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and optional add-ons such as roadside assistance and rental car reimbursement.
- Umbrella Insurance:
- Umbrella insurance from Utica National provides additional liability coverage beyond the limits of standard home or auto insurance policies. This coverage helps protect policyholders against lawsuits and significant financial losses.
Specialty Insurance:
- Boat Insurance:
- Utica National offers boat insurance coverage to protect watercraft against damage or loss from covered perils such as collision, sinking, fire, theft, and vandalism. Boat insurance policies may include liability coverage, medical payments coverage, and optional add-ons for enhanced protection.
- Collector Car Insurance:
- Utica National provides collector car insurance for classic cars, antique cars, and other collectible vehicles. This coverage is tailored to the unique needs of car collectors and enthusiasts, offering protection for the vehicle’s value, restoration costs, and specialized equipment.
Additional Services:
- Claims Services:
- Utica National offers claims services to policyholders, providing assistance and support in the event of a covered loss or accident. This includes claims reporting, claims processing, and claims settlement to help policyholders recover from unexpected events.
- Risk Management Services:
- Utica National provides risk management services to help businesses identify, assess, and mitigate risks. This includes loss control, safety training, risk assessments, and consulting services to promote a safe and secure work environment.
- Customer Support:
- Utica National offers customer support services to assist policyholders with insurance-related inquiries, policy management, billing issues, and other service needs. Customer support may be available via phone, email, online chat, or in-person consultations.
Workers’ compensation
Utica National Insurance Group offers comprehensive workers’ compensation insurance solutions tailored to the needs of businesses across various industries. Here’s an overview of the services they typically provide in the workers’ compensation sector:
- Customized Coverage Options:
- Utica National understands that every business has unique needs and risks associated with its operations. They offer customizable workers’ compensation coverage options that can be tailored to the specific requirements of individual businesses.
- State-Specific Expertise:
- Workers’ compensation regulations vary from state to state, and compliance with state laws is essential. Utica National has a team of experts with in-depth knowledge of state-specific regulations and requirements, ensuring that businesses remain compliant with local laws.
- Claims Management Support:
- Utica National provides robust claims management services to assist businesses and injured employees throughout the claims process. They offer prompt claims reporting, thorough investigation, and fair claims resolution to ensure that injured workers receive the benefits they are entitled to while controlling costs for employers.
- Risk Management Services:
- Utica National offers risk management services to help businesses identify, assess, and mitigate workplace risks. This includes loss control, safety training, hazard assessments, and safety consulting to promote a safe work environment and prevent accidents and injuries.
- Return-to-Work Programs:
- Utica National may assist businesses in developing return-to-work programs designed to facilitate the reintegration of injured employees into the workforce. These programs aim to minimize the financial and operational impact of workplace injuries by helping injured workers return to productive employment as soon as medically feasible.
- Medical Provider Networks:
- Utica National may offer access to medical provider networks, including preferred healthcare providers and specialists, to ensure that injured employees receive timely and appropriate medical treatment. These networks help control medical costs and ensure quality care for injured workers.
- Safety Training and Resources:
- Utica National provides businesses with access to safety training programs, educational resources, and risk management tools to help prevent workplace accidents and injuries. This may include online training modules, safety manuals, and educational seminars on topics such as ergonomics, hazard recognition, and injury prevention.
- Legal Support and Compliance Assistance:
- Utica National may offer legal support and compliance assistance to help businesses navigate workers’ compensation laws and regulations. They may provide guidance on legal requirements, assist with regulatory compliance, and offer defense services in the event of disputes or legal challenges related to workers’ compensation claims.
- Loss Control Services:
- Utica National offers loss control services to help businesses identify and address workplace hazards before accidents occur. This may include safety inspections, risk assessments, safety program development, and ongoing support to minimize the risk of workplace injuries and illnesses.
- Financial Stability and Security:
- As a reputable insurance provider, Utica National offers financial stability and security to businesses relying on workers’ compensation coverage.
