Artisans Program

A Small Business Owner Product

Utica First is one of the largest insurers of small contractors in the Eastern United States. We offer the industry's best value of price and coverage for residential type contracting businesses with 5 employees or less.


  • Low Priced, with excellent standard coverage
  • Seasona nd New Ventures eligible!
  • Premiums based on number of employees
  • No Audit Provision
  • Credit Card and EFT billable
  • The Utica First Toolbox optional coverage
    • $100,000 Fire Legal Liability
    • $10,000 Installation Floater Coverage
    • $5,000 Small Tools
    • $5,000 Valuable Papers
    • $5,000 Accounts Receivables
    • $5,000 Computer Coverage

Eligible Classes

  • Carpentry
  • Masonry
  • Plumbing
  • Electrical
  • Carpet Cleaning
  • Drywall
  • Landscaping
  • Painting
  • Window and Door Installation
  • Driveway Paving
  • Floor Coverings (excluding hardwood)

This program is limited to companies with 5 full time employees or less. Part time employees count as one half of a person from a rating standpoint. The Utica First Artisan Program is designed for residential Contractors. Contact an underwriter to discuss risks with non-residential exposures, poor loss history, or contractors that are involved in multiple types of operations.

Note: Coverage highlights for information only. Consult actual policy for precise coverage applicable.