Utica National Assurance Company(New York); Profile, Contacts, Claims, Services, Ratings, and Benefits

Utica National Assurance Company offers insurance for homes, businesses, and more. It started in 1910 in Utica, New York. The founders saw a need for a new insurance company. Now, it’s big, with agents all over the country.

Utica National Assurance Company

History of Utica National Assurance Company

In 1910, local businessmen in Utica started Utica National. It quickly grew and spread across New York. By the 1920s, it added auto and workers’ compensation insurance.

In the 1950s, it went beyond New York. Now, it’s a big insurance company in the whole USA.

Mission

Utica National wants to give customers the best insurance experience. Their mission is clear: “To be the best provider of property and casualty insurance. We offer great products, awesome service, and good prices.”

Values

Utica National has important values:

  1. Customer focus: They give great service to customers.
  2. Integrity: They do business honestly and fairly.
  3. Innovation: They make new and better products.
  4. Financial strength: They stay strong financially.
  5. Community involvement: They help the communities they’re in.

Utica National is a respected insurance company. It cares about customers and sticks to its values. Always finding ways to get better is part of its plan.

Contact Details of Utica National Assurance Company

Contact Information Details
Website: Utica National
Phone: 800-598-8422 (800-59-UTICA)
Email (Claims): Utica National Claims
Claims Phone: 800-216-1420
Fax: 888-538-2018
Address: Utica National Insurance Group
One The Galleria at Oriskany
320 Oriskany Street
Utica, NY 13501-6280
Find an Agent: Agent Locator
Office Hours: Monday to Friday, 8:00 a.m. to 6:00 p.m. Eastern Time
Claims Department Availability: 24 hours a day, 7 days a week

 

Products Offered by Utica National Assurance Company

Utica National Assurance Company offers a variety of insurance products for individuals and businesses, including:

  • Personal: Auto, homeowners, renters, boat, motorcycle, snowmobile, umbrella.
  • Commercial: Auto, service, dealers, small business bonds, childcare centers, craft breweries, contractors, educational institutions, ERISA and Crime Program, errors & omissions, founders graphic communications, libraries, light manufacturing & woodworking, premium audit, professional services, religious institutions, retailers, restaurants, volunteer fire departments, wholesalers, workers’ compensation.

Utica National Assurance Company

Filing a Claim with Utica National Assurance Company: A Step-by-Step Guide

Utica National strives to make the claims process as smooth and efficient as possible. Here’s a breakdown of the steps involved, with additional pointers for specific situations:

1. Report the claim
2. Be prepared with essential information
  • Policy number and agency name: This helps identify your policy quickly.
  • Date and details of the incident: Be clear and concise about what happened, when, and where.
  • Photos/videos (if available): Visual documentation can be crucial, especially for damage claims.
  • Other parties involved: Share names and contact information of anyone else involved, like witnesses or repair shops.
3. Follow the adjuster’s instructions
  • An adjuster will be assigned to your claim. They will contact you to discuss details and gather additional information.
  • Cooperate with their requests, promptly providing any needed documentation or authorizations.
  • Be prepared for an inspection, if necessary, for the adjuster to assess the damage.

Specific situations

  • Auto accidents: Exchange information with the other parties involved and file a police report if necessary. Gather any documentation related to the accident, like repair estimates.
  • Homeowners/property claims: Take temporary measures to prevent further damage, like boarding up broken windows. Keep receipts for any repair or mitigation costs.
  • Workers’ compensation: If injured on the job, report the incident immediately to your employer and seek medical attention. Utica National will work with your employer and healthcare providers to manage the claim.

Utica National Assurance Company sets its premiums based on individual situations, making it tricky to provide exact costs without specific info.

However, I can give you a general idea and outline their payment options and discounts:

Premium Costs

Premiums depend on various factors, such as:

  • Type of insurance: Auto, home, or business insurance have different costs.
  • Coverage levels: More coverage means higher premiums.
  • Deductibles: Choosing a higher deductible lowers premiums but increases out-of-pocket costs for claims.
  • Claims history: A clean record usually means lower premiums.
  • Personal details: Things like age, driving habits, location, and property value can affect costs.

Payment Options

Utica National offers flexible ways to pay:

  • Monthly: Split your payments into monthly installments.
  • Quarterly: Pay every three months for less frequent payments.
  • Semi-annually: Make two lump sum payments per year.
  • Annually: Pay your premium for the whole year upfront, often with a discount (up to 10%).

Discounts and Offers

Utica National rewards customers with various discounts:

  • Multi-policy discount: Combine home and auto insurance for reduced rates.
  • Pay-in-full discount: Pay upfront for the year and get up to 10% off.
  • Anti-theft device discounts: Secure your car and get savings.
  • Good student discount: Keep excellent grades for lower auto insurance rates.
  • Defensive driver discount: Finish a defensive driving course for a discount.
  • Claims-free renewal discount: Keep a clean claims history for continued savings.

Utica National Assurance Company

Ratings

A.M. Best

A.M. Best rates Utica National’s financial strength as “Excellent” with an A rating. This means they have a strong financial position and can meet their long-term financial commitments.

Better Business Bureau (BBB)

The BBB gives Utica National an A+ rating, showing they’re good at handling customer complaints. With a 4.1 out of 5 stars in customer reviews, many customers appreciate their responsive customer service and fair claims handling.

WalletHub

WalletHub collects reviews on Utica National, and opinions are mixed. Some customers like their affordability and helpfulness, while others complain about slow claims processing and high premiums, giving an average rating of 3.4 out of 5 stars.

ClearSure

On ClearSure, Utica National gets positive reviews with 57.69% rating it as “Excellent” and 19.23% as “Good.” Customers praise their strong financial stability and competitive rates.

Benefits of Joining Utica National: Client vs. Employee

Utica National Assurance Company offers distinct advantages for both clients and employees. Here’s a breakdown of the key benefits you can expect:

Client Benefits

 

  • Diverse product range: Whether you need personal or business coverage, Utica National offers a variety of insurance products to cater to your specific needs. From auto and home to workers’ compensation and niche commercial options, they’ve got you covered.

 

  • Competitive rates: Utica National prides itself on offering competitive premiums, often with discounts available for multi-policy bundles, good driving records, or anti-theft devices. They understand the value of your money.

 

 

Employee Benefits
  • Stable career: Utica National’s financial strength translates to job security and growth opportunities within a well-established company.
  • Meaningful work: You’ll contribute to protecting individuals and businesses, knowing your work directly impacts people’s lives.
  • Positive work environment: Their focus on employee well-being fosters a collaborative and supportive culture with opportunities for learning and development.
  • Competitive compensation and benefits: Utica National offers competitive salaries, comprehensive health insurance, generous paid time off, and retirement plans, taking care of your financial and personal well-being.
  • Work-life balance: They understand the importance of personal time and offer flexible work arrangements, remote work options, and employee discounts on their insurance products.

Utica National Assurance Company: Top FAQs Answered

1. What type of insurance does Utica National offer?

Utica National provides a wide range of insurance products for both individuals and businesses. This includes personal lines like auto, homeowners, and renters, as well as commercial lines like workers’ compensation, professional liability, and small business bundles.

2. Is Utica National a good insurance company?

Utica National enjoys a strong reputation with excellent ratings from A.M. Best and the Better Business Bureau. Customers appreciate their financial stability, competitive rates, and commitment to customer service. However, some reviews mention slow claims processing and high premiums, so it’s wise to compare quotes and consider your individual needs.

3. How can I file a claim with Utica National?

There are three convenient ways to file a claim:

4. Does Utica National offer discounts on premiums?

Absolutely! Utica National rewards its customers with various discounts, including:

  • Multi-policy: Bundle your insurance for savings.
  • Pay-in-full: Get a discount for upfront annual payments.
  • Good driver/student: Maintain good habits for lower auto rates.
  • Claims-free: Enjoy continued savings with a clean claims history.

 

 

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