Property & Casualty Agency Coverage
Coverage Highlights:

Established Agencies - Broad Coverage 

• For insurance
• Risk Management Services
• Notary Service
• Property Appraisals for insureds
• Expert Witness 
• Instructor of Insurance Practices
• Defense Costs are in addition to limits of liability
• Consent to settle provision - gives you control over how you want a claim handled
• True worldwide coverage in a global economy - Suit can be brought anywhere in the world, not just in the United States!

Selling your agency? Retiring?
Here's what is special about our Perpetuation plan for agencies!

• Utica includes up to a 10-year Extended Reporting Period (ERP)
• Some carriers may not offer ERP if coverage is cancelled or expired
• Up front knowledge of what the premium is for the Extended Reporting Period options
• You choose the coverage period
                             
  

Life & Health Agency Coverage
Coverage Highlights:

Don't go without protection you need. We offer:

• First Dollar Defense Coverage - Utica's coverage protects you from paying large legal expenses, because the deductible applies to the loss only. Utica also offers a Loss Plus Litigation Expense Deductible Option.
• Full Prior Acts Coverage - No Extra Charge. Unlike some policies, Utica's E&O policy provides full prior acts coverage at no extra charge. This coverage is subject to underwriting approval.
• Defense Costs in Addition to Limits of Liability - Your limit of liability is available to pay for any judgments against you and is not reduced by ever increasing defense costs.
• No Contractual Liability Exclusion - and we don't charge extra!*

*Availability varies by state