Utica First Insurance Company
Reviews 2019

Get a Quote
Or call (800) 821-2436 to start your quote.

Read small business insurance company reviews including ratings, policy types, customer service, and pricing.

Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
Free Business Insurance Quote Click Here

Utica First Insurance Company Ratings

Utica First Insurance Company Reviews

Utica First Insurance Company Reviews 2019 (Ratings, Complaints & Coverage). The company has been around for over 100 years, and they provide both commercial insurance for businesses as well as a number of personal insurance products.

Although the company has been around for well over a century, it is only in the last 25 years that they have become the type of business that they are today and saw the kind of growth numbers that they see currently. This has a lot to do with the development of their artisan contractor insurance which is an extremely competitive policy for business owners. They are rated "A" by AM Best.

Let's take a closer look at Utica First Insurance Company reviews and see if they might be a good fit for your business.

Check out Utica First Insurance Company reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.

About Utica First Insurance Company

The company history dates back to 1903 when they were called the Utica First Insurance Company of Onedia County New York. The region rather than a charter to operate as an advance premium co-op in 1903, and the company began to grow from there. What most stood out about this period of their growth is their location downtown which was a well-known landmark. The high-rise office building called the Utica Fire Insurance Building was instantly recognizable in the Utica skyline.

The company moved to an entirely new location in 1973 in Oriskany, New York. The new location was right next to the Oneida County Airport. By the 1980s, the company was working with many of the businesses within that region, particularly with the North East and Southern states. In the 1990s, they changed their name again to the Utica First Insurance Company.

Since the 1990s, the company has seen an explosion of growth due to the development of competitive products that have made businesses able to use insurance properly. Their business policies and homeowner's policies have earned them a reputation for providing some of the best insurance in the business and with more than a century of providing that service to businesses the company is one of the strongest in the market today. Today, they provide insurance across nine states and are committed to growing even larger.

Sometimes Utica First is confused with the Utica National Insurance Company, which is a totally different insurer. Utica National Insurance Group started in 1914 and provides personal and commercial insurance products and services.

The Utica First Insurance Company reviews are so-so.

Utica First Insurance Company Products And Services

Utica provides a variety of commercial insurance services. Utica First says, "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, Equipment Breakdown, and many others) in one policy that can suit the needs of thousands of smaller businesses. Dozens of business classifications are eligible."

One of the flagship services that they offer is their Artisan Contractors insurance which applies to those providing services in:

  • Cabinet Makers / Installers
  • Carpentry
  • Drywall
  • Heating and Air Conditioning
  • Landscaping
  • Masonry
  • Painting
  • Residential Electrician
  • Residential Plumbing
  • and Others...

Utica First also targets restaurants and food service business including:

  • Bagel Stores
  • Bakeries
  • Cafes
  • Delis
  • Diners
  • Family Style Restaurants
  • Fine Dining
  • Franchise Restaurants
  • Pizza Shops
  • Take-Out Places
  • and Others...

Utica First also likes writing auto services business including:

  • Audio Systems Installation
  • Auto Detailing
  • Auto Glass Repair
  • Auto Painting
  • Collision Shops
  • General Auto Repair Shops
  • Installation of Remote Starter, alarms & other electronics
  • Oil Change/Quick Lube Shops
  • Rustproofing
  • Transmission Shops
  • Upholstery Shops
  • and Others...

The also have policies for apartment buildings, offices and more. The Utica First Insurance Company reviews for it's commercial products are good.

Utica also provides a limited amount of personal insurance. The standard homeowner's policy is the most common offering. The standard homeowner's policy offers dwelling coverage in Congress to repair or rebuild your home. It can also cover other structures, personal property coverage, liability coverage, loss of use coverage and various optional coverages including equipment breakdown, service line coverage, scheduled or blanket jewelry coverage and coverage for home-based businesses.

They also have bundled coverage packages, which have lots of different coverage packages all rolled into one at a lower rate, as well as coverage for watercraft including motorboats and trailers. In addition, they offer various other personal insurance coverages that include landlord insurance, tenant or renters insurance, condominium insurance and umbrella insurance that provides extended coverage or customized policies that protect specific areas of your life.

Utica First Insurance Company Network

Utica First sells their policies through local independent insurance agents and brokers in CT, FL, MA, MD, NJ, NY, OH, PA and VA. They are not national, but a regional insurance provider.

Utica First Insurance Company Ratings Online

Utica First Insurance Company reviews are below average.

  • BBB.org - The Better Business Bureau rates them 2 out of 5 stars, but they have an A+ rating.
  • Birdeye.com - Birdeye rates them 2.4 out of 5 stars.
  • Yelp.com - Yelp rates them 1 out of 5 stars.

Utica First Insurance Company Contact Information

Address: 5981 Airport Road, Oriskany, NY 13424

Website: https://www.uticafirst.com

The Bottom Line On Utica First Insurance Company

The bottom line is that this company has gained a reputation for providing some goodquality coverage policies during the time they been operating. With more than 100 years in business, you can trust Utica to know what they are doing and to provide you with policies for the coverage that you need.

Although they focus mostly on commercial insurance, they do have a wide variety of personal policies. Utica First Insurance Company reviews are not that good online.

More Commercial Insurance Company Ratings

Small Business Insurer Ratings:
Commercial Insurance Broker Ratings:
Small Business Independent Insurance Association Ratings:


The reviews and opinions expressed on this web site are solely those of the original authors and other contributors. These views and opinions do not necessarily represent those of the GeneralLiabilityInsure.com staff, and/or any/all contributors to this site.

Images on this site are copyright to its respectful owners. All product names, logos, and brands are property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, logos, and brands does not imply endorsement.

Utica First Insurance Company Reviews
Rated 4.1/5 based on 18 reviews
Free Business Insurance Quote Click Here