Commercial Lines

Utica First is an industry leader in providing unique, cost effective commercial insurance products for small and medium sized businesses. The foundation of many of our 'niche' products is the Utica First Businessowners Policy (BOP). It provides a bundled 'package' of the most needed insurance coverages (Property, Liability, Loss of Income, Systems Breakdown, and many others) in one policy that can suit the needs of thousands of smaller businesses. Dozens of business classifications are eligible. In addition, Utica First had developed a number of special 'niche' programs to satisfy the specific needs of certain businesses, such as:

• Antiques and Collectibles
• Automobile Service Stations
• Convenience Store Program
• Food Service Risks (Restaurants, Taverns)
• Artisan Package Policy
• BOP Classes
• Office PAK Program
• Employment Practices Liability (EPL) Insurance

For larger or more complex risks, Utica First offers a Commercial Package Policy (CPP), which allows great flexibility and customization of coverage.

Note: Not all programs are available in all territories.