​Since 1966, Utica has been a leader in providing quality protection for agencies in the United States. And we plan to be here for you in the years to come. Here are some reasons why agents and brokers choose UTICA for their E&O coverage.​

We're a mutual insurance company - That means our clients, not Wall Street investors waiting for a dividend, are our stakeholders. As such, we value our relationship with you.

Claims expertise - Our claims professionals are dedicated to handling only agents' E&O claims. And in the event of a claim, we have access to the best E&O litigators in the business. Would you want anything less? They're specialists when it comes to effective litigation management.

Underwriting expertise - Our underwriting professionals are experts, averaging more than 25 years in the business and over 15 years in E&O underwriting.

Interest-free financing - We understand that your business is cyclical. That's why we let you spread your E&O premium over a 10-month period.

No two E&O policies are the same - If the premium sounds too good to be true, it probably is. By understanding your business, we can customize an E&O policy to meet your individual needs. We provide quality coverage and value for some of the most successful agencies in the country.

Limit your exposure - We provide loss control assistance to address a multitude of potential risks, from those involving CSRs to yours as owner and producer. We take an active interest in helping you minimize the likelihood of a claim.

More extensive tail options - With acquisitions, mergers, and retirements, no one can predict what tomorrow will bring. An E&O policy from Utica contains flexible tail options that can provide peace of mind.

Strong Affiliate relationships - Our long-term relationship with local and state associations brings additional talent and expertise to the task of protecting you and your business. Now that's an unbeatable combination!

When only the best will do, count on Utica National - E&O from the people who know!​

Your Life & Health agency is different from a Property & Casualty agency and so are your exposures. That's why you need Agent's Errors & Omissions (E&O) coverage designed specifically for your type of operation and you can get it from Utica National. Our coverage is one of the most comprehensive policies available today, providing the coverage that Life & Health Agents consider the most important, while incorporating enough flexibility and optional coverages to remain affordable. We've been writing insurance agents' Errors and Omissions coverage for over 40 years.

You might find lower-price E&O Coverage elsewhere, but bargain-basement insurance can be ruinous to your agency in the event of a claim. For true value, choose Utica.​
Even when some insurance companies decided that writing Insurance Agents' Errors & Omissions (E&O) wasn't profitable and pulled out of the marketplace, Utica National Insurance didn't.
We know that it is absolutely vital that you have an Errors & Omissions insurer you can rely on. That's why we're here when you need us, with a program designed for agents, by agents - giving you peace of mind so you can concentrate on the success of your agency and getting your customers the coverage they need.

Our programs are designed to protect your agency from its infancy through perpetuation, and every stage in between.

New Agencies
Our Agency Ally product is designed for the newer agency. To support new agencies, Utica's program combines the mentoring and educational assistance available through your local agents association with Utica's stability in the E&O marketplace. With sound education and training, you'll succeed in your new venture. Utica's ability to start with the Agency Ally, and grow your coverage commensurate with your experience is what our program is all about!​