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Apartments

Owning rental property poses unique challenges for the property owner. Our Businessowner policy can also provide protection if your buildings are damaged and can replace rental income if the property cannot be occupied during repairs.

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It can also provide financial protection and legal defense in the event someone is injured on your property.

Business property insurance

Helps protect the physical location that your business owns or leases as well as property such as fixtures, equipment, and inventory.

General liability insurance

Helps protect your business from the financial costs of property damage, bodily injury, personal and advertising injury claims made against your business.

Business income insurance

Helps replace lost income when you are unable to conduct business due to a covered property loss like a fire.

Optional Coverages

Apartmentizer Coverage

Having coverages tailored to your rental apartments in important. This coverage endorsement includes special coverages such as Ordinance or Law coverage, Backup of Sewers and Drains, and Landlord Furnishings all bundled at a discounted price.

Equipment Breakdown Coverage

Your HVAC equipment is critical to providing a comfortable living environment for your tenants. It is subject to hazards such as power surges, short circuits, centrifugal force, boiler overheating or cracking, and mechanical breakdown. This coverage can protect your equipment from these hazards and get you back up and running quickly.

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This is not all! Please contact your local independent insurance agent to learn about additional coverages offered by Utica First

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States we serve: CT, FL, MA, MD, NJ, NY, OH, PA, VA


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Unique, cost effective commercial insurance products for small and medium sized businesses.

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Unique, cost effective commercial insurance products for small and medium sized businesses.

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