Skip Ribbon Commands
Skip to main content
None

Utica


Utica National Insurance Group (rated A Excellent by A.M. Best)  has been in the agents' E&O business - continuously - since 1966 and realizes that your agency's core assets aren't always on paper. We've provided legal defense for claims against agents that could have closed their agencies without this protection. And when you have the Utica program behind you, it reinforces with your clients your reputation for running a professional insurance organization.

Program Features
  • Policy limits available up to $20 million per loss, $21 million aggregate
  • Earn a 5% credit on your premium by attending approved courses, and earn an additional 5% by meeting certain other requirements
  • A variety of payment options available, including EFT
  • Direct access to underwriting and claims specialists who are devoted exclusively to your E&O program as a Utica Mutual insured
  • Loss control services

Coverage Highlights

  • Full prior acts coverage for the named insured at no extra charge
  • Broad definition of insured includes leased/temporary persons as well as legal spouse, former insureds and independent contractors
  • Defense cost in addition to limits of liability
  • Coverage provided for any newly acquired or formed organization (coverage afforded for 90 days)
  • First dollar defense coverage (optional loss and litigation deductible)
  • Aggregate deductible caps your annual deductible exposure
  • Consent to Settle clause prevents claims settlement without your approval
  • Contractual Liability coverage as well as Advertising and Personal Injury coverage for professional activities
  • Insolvency coverage provided for insurance carriers rated "B" or better at the time of placement
  • Dishonesty coverage provided subject to exclusion of participating insureds
  • Punitive and exemplary damages covered under definition of loss (where permitted by law)
  • Optional extended reporting period reinstates aggregate and offers options up to 10 years
  • Worldwide coverage (suit may be brought anywhere in the world)
  • Coverage up to $25,000 for response to a complaint of the defense of an investigation brought by
    • Insurance Department
    • State regulatory agency
    • Other government agency for "loss" covered by E&O policy
  • Coverage for a claim by an entity or individual which is wholly or partially owned, operated, managed or controlled by the insured; did wholly or partially own, operate, manage or control; or is wholly under the same ownership, operation, management or financial control as the insured provided the percentage of partial ownership, operation, management or control is 10% or less
  • Reduction of your deductible (Diminishing Deductible) as a result of current continuous claims free years of coverage; up to 50% credit of your deductible

Optional Coverages

  • Contingent Catastrophe extra expense
  • Employment Related Practices Liability (Third Party Liability now available)
  • Mutual Funds and variable annuities coverage and/or financial products coverage (subject to NASD license and products sold)
  • Real Estate errors and omissions
  • Third-party administrators E&O (claims loss adjusting)
  • Human Resources Consultants
  • Professional Employer Organization Marketing Services
  • Loan Origination

LINKS & DOWNLOADS

UticaPCApp2015.pdfPC Application (PC with LH)

UticaLHapp070108.pdfL&H Application (LH with PC)

Cyber Questionnaire

Utica Policy Specimen

Merger & Acquisition Toolkit

CLAIMS REPORTING

Utica Claim Reporting Guides 

Claims Phone: 800-274-1915

Claims Fax: 315-734-2605