--- title: "Utica National Insurance Group Review [Updated 2026]" description: "Utica National Insurance Group offers personal and commercial insurance through 2,500+ independent agents nationwide. Founded in 1914 as a mutual company, it recently surpassed $1 billion in annual sales and earned an A+ rating upgrade from AM Best." canonical: "https://www.coveragecat.com/reviews/utica-national" last-updated: "2026-08-13" --- # Utica National Insurance Group Review [Updated 2026] Utica National Insurance Group ranks among the Top 100 nationally recognized insurers in the United States, with the second-largest errors and omissions business in the country. The company's history spans more than a century. Founded in 1914 with the establishment of Utica Mutual Insurance Company as a Workers' Compensation carrier, the company is headquartered in New Hartford, New York. Originally known as The Utica Mutual Compensation Corporation, the company launched as a workers compensation insurance carrier and has since expanded into a major player in personal and commercial insurance markets. The company operates as a mutual insurance organization, meaning policyholders own the company rather than outside shareholders [(Insurance Journal, "Utica National Insurance Group Surpasses $1B in Direct Written Premiums", 2017)](https://www.insurancejournal.com/news/east/2017/12/28/475407.htm). This structure allows Utica National to prioritize customer service and long-term stability over quarterly profit demands. Utica National employs more than 1,400 people nationwide and distributes insurance products exclusively through independent agents [(Utica National Insurance Group, "Company", 2026)](https://www.uticanational.com/company). According to the company's 2024 Annual Report, Utica National works with more than 2,500 independent insurance agents [(Utica National Insurance Group, "2024 Annual Report", 2024)](https://secure.uticanational.com/marketing/annual-report/). The company exceeded $1 billion in sales in 2024, achieving more than 10% growth [(Rome Sentinel, "Utica National builds on success, sets sights on $2B goal", 2025)](https://www.romesentinel.com/townnews/insurance/utica-national-builds-on-success-sets-sights-on-2b-goal/article_9e5b8ce8-ed43-11ef-b71d-031e71e3c9ed.html). The company now sets its sights on reaching $2 billion in sales while continuing to improve its financial ratings. ## What Kinds of Insurance Does Utica National Offer? Utica National Insurance Group provides both personal and commercial insurance products. The group operates through multiple member companies, including Graphic Arts Mutual Insurance Company, Republic-Franklin Insurance Company, Utica Lloyd's of Texas, Utica Mutual Insurance Company, Utica National Assurance Company, Utica National Insurance Company of Ohio, Utica National Insurance Company of Texas, and Utica Specialty Risk Insurance Company [(Utica National Insurance Group, "Member Companies", 2026)](https://www.uticanational.com/company/member-companies). For personal insurance, Utica National offers: - [Homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) - [Auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) - Motorcycle insurance - Boat insurance - ATV insurance - Scooter insurance - Renters insurance - Identity theft protection The company's commercial insurance division provides coverage for businesses across various industries. Utica National's errors and omissions program, established in 1966, is the second-largest errors and omissions business in the United States. More than 10,000 agents have placed their trust in their state association and Utica National's Agents' E&O program [(Utica National Insurance Group, "Errors and Omissions (E&O) insurance from local agents", 2026)](https://www.uticanational.com/business-insurance/errors-omissions). ## Does Utica National Sell Homeowners Insurance? Yes, Utica National sells [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) through its network of independent agents. The company does not offer online quotes directly to consumers, instead directing shoppers to contact a local agent [(Utica National Insurance Group, "Homeowner", 2026)](https://www.uticanational.com/personal/homeowner). Homeowners insurance from Utica National extends coverage to detached garages and sheds on the property [(Utica National Insurance Group, "Homeowner Insurance", 2026)](https://www.uticanational.com/personal/homeowner). However, not all coverage options are available in every state, so specific policy features depend on your location. The company does not appear to offer specialized products such as [condo insurance](https://www.coveragecat.com/insurance-types/condo-insurance), rental property insurance, or coverage for vacant structures as distinct product lines based on available information. ## Does Utica National Sell Auto Insurance? Utica National provides [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) coverage in all 50 states through independent agents [(Utica National Insurance Group, "Car Insurance from your trusted local agent", 2026)](https://www.uticanational.com/personal/auto). The company offers several discount opportunities for auto insurance customers: - Annual mileage credits - Paid-in-full discount - Anti-theft device discount - Occasional operator discount - Educator discount - Good student discount Policyholders can bundle auto insurance with boat, ATV, motorcycle, or scooter coverage in a single policy [Ibid.](https://www.uticanational.com/personal/auto). Unique features of Utica National's auto insurance include: - **Vanishing deductible**: Reduces your deductible over time with safe driving - **Diminished deductible**: Another deductible reduction option - **Pet injury coverage**: Up to $750 per pet for veterinary services if your pet is injured in an accident - **Direct Repair Program**: Lifetime guarantee on repairs when using network body shops [(Utica National Insurance Group, "Claims Resource Center", 2026)](https://www.uticanational.com/claims) ## Does Utica National Sell Umbrella Insurance? Based on available sources, Utica National does not prominently advertise [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) as a standalone personal product line. The company focuses primarily on homeowners, auto, and recreational vehicle insurance for personal lines customers. Those seeking umbrella coverage may need to inquire directly with independent agents about availability. ## How Does Utica National Work? Utica National operates exclusively through independent insurance agents rather than selling policies directly to consumers [(Utica National Insurance Group, "Homeowner Insurance", 2026)](https://www.uticanational.com/personal/homeowner). You cannot obtain a quote or purchase a policy directly from the company's website. To get coverage from Utica National: 1. **Find an agent**: Locate a local independent insurance agent who represents Utica National 2. **Get a quote**: The agent will collect information about your insurance needs and provide quotes 3. **Compare options**: Your agent can present different coverage levels and pricing options 4. **Purchase coverage**: Complete the application process through your agent 5. **Manage your policy**: Access the online Customer Care Center for policy management The independent agent model means your agent works on your behalf to find appropriate coverage. Your agent serves as your primary contact for questions, policy changes, and claims assistance. After purchase, policyholders can manage their policies through Utica National's online Customer Care Center. The company previously offered a mobile app called AdvantEDGE but discontinued it in August 2019 to focus resources on the web-based customer portal [(Motor1, "Utica Insurance: Reviews, Coverage, And Cost", 2022)](https://www.motor1.com/reviews/402378/utica-insurance/). ## Pricing and Payment Options Utica National's pricing varies based on standard insurance factors including driving record, age, gender, location, and coverage selections. The company offers flexible payment plans with 10% down and nine monthly payments. Policyholders who pay their full premium upfront can receive a paid-in-full discount. For errors and omissions insurance, the company claims to provide flexible payment options that do not require financing or interest charges [(Utica National Insurance Group, "Errors and Omissions (E&O) insurance from local agents", 2026)](https://www.uticanational.com/business-insurance/errors-omissions). Since Utica National does not provide direct online quotes, specific pricing information is only available through independent agents. This approach allows agents to consider individual circumstances and recommend appropriate coverage levels. ## Customer Service and Support Utica National provides customer service through multiple channels: **Phone Support**: - General inquiries: 800-598-8422 - Hours: Monday through Friday, 8:00 a.m. – 6:00 p.m. EST - Claims: 800-216-1420 (available 24/7/365) [(Utica National Insurance Group, "Contact Us", 2026)](https://www.uticanational.com/contact-us/) **Online Support**: - Customer Care Center for policy management - Email: claimsnewreport@uticanational.com - Mailing address: PO Box 6610, Utica, NY 13504-6610 Claims professionals are available Monday through Friday, 8:00 a.m. to 5:00 p.m. Eastern time, with 24/7/365 claims assistance available [(Utica National Insurance Group, "Utica National Insurance Group Official Website", 2026)](https://www.uticanational.com/). Policyholders can report claims through multiple methods including the online Customer Care Center, email, phone, fax, or mail [(Ibid., "Claims Resource Center", 2026)](https://www.uticanational.com/claims). ## Claims Process Utica National offers 24/7/365 claims reporting through several channels [(Utica National Insurance Group, "Claims Resource Center", 2026)](https://www.uticanational.com/claims): 1. **Online**: Submit claims through the Customer Care Center 2. **Phone**: Call 800-216-1420 at any time 3. **Email**: Send details to claimsnewreport@uticanational.com 4. **Fax or Mail**: Submit written claims documentation According to the company's official claims process documentation, a Claims Representative contacts claimants within 24 hours or the next business day after receiving a claim report [(Utica National Insurance Group, "Claims Process", 2023)](https://www.uticanational.com/claims/claims-process). An adjuster is then assigned to evaluate coverage and assess liability. Claim updates remain available through the online Customer Care Center throughout the process. For auto insurance claims, Utica National partners with a network of body shops through its Direct Repair Program. Repairs completed at network shops receive a lifetime guarantee for as long as you own the vehicle [(Utica National Insurance Group, "Claims Resource Center", 2026)](https://www.uticanational.com/claims). For errors and omissions claims, the company states that its specialists handle only Agents' E&O professional liability and put more than 100 years of combined experience to work resolving E&O claims for customers [(Utica National Insurance Group, "Errors and Omissions (E&O) insurance from local agents", 2026)](https://www.uticanational.com/business-insurance/errors-omissions). ## Pros and Cons
### Pros **Strong Financial Ratings**: AM Best affirmed the company's Financial Strength Rating at A (Excellent) and upgraded the Long-Term Issuer Credit Rating to "a+" (Excellent) from "a" (Excellent) in November 2024. The ratings reflect Utica National's strongest balance sheet and strong capital position. (AM Best, "AM Best Upgrades Issuer Credit Ratings of Utica Mutual Insurance Company and Its Affiliates", 2024) **Stable Growth**: The company exceeded $1 billion in sales in 2024, achieving more than 10% growth. AM Best upgraded Utica National's Long-Term Issuer Credit Rating, and the company was named to The Ward Group's "Top 50" list of top-performing property-casualty insurance companies nationwide for its third consecutive year. (Rome Sentinel, "Utica National builds on success, sets sights on $2B goal", 2025) **Nationwide Availability**: Coverage is available in all 50 states, the District of Columbia, and Puerto Rico. **Low BBB Complaints**: Although not accredited, the Utica National Insurance Group has an A+ rating with the BBB. In the past three years, only 11 complaints were filed, an incredibly low number for a large insurance company (Better Business Bureau, "Utica National Insurance Group BBB Business Profile", 2026). **Unique Auto Features**: The company offers pet injury coverage up to $750 per pet, vanishing deductible options, and a Direct Repair Program with lifetime guarantees on repairs (Utica National Insurance Group, "Car Insurance from your trusted local agent", 2026). **24/7 Claims Reporting**: Policyholders can report claims at any time through multiple channels, with a Claims Representative contacting claimants within 24 hours or the next business day (Ibid., "Claims Process", 2023).
### Cons **No Direct Online Quotes**: The company requires customers to work through independent agents, which may prove less convenient than insurers that offer direct online quotes (Utica National Insurance Group, "Trusted Auto insurance, home insurance, motorcycle and boat insurance", 2026). **Higher-Than-Average Complaints**: NAIC complaint index of 1.58, which exceeds the industry average of 1.0. **Recent Regulatory Action**: The New York State Department of Financial Services issued a consent order in August 2024, requiring Utica National to pay $241,000 for violations related to DMV filing obligations. (New York State Department of Financial Services, "Consent Order for UTICA NATIONAL INSURANCE GROUP", 2024) **Not BBB Accredited**: While the company holds an A+ BBB rating, it is not BBB accredited (Better Business Bureau, "Utica National Insurance Group BBB Business Profile", 2026). **Mixed Customer Reviews**: Customer reviews on various platforms reveal concerns about claims handling and response times, with some one-star ratings on BBB despite the high organizational rating (Motor1, "Utica Insurance: Reviews, Coverage, And Cost", 2022). **Discontinued Mobile App**: The company shut down its mobile app in 2019, requiring customers to use the web-based portal instead (Ibid., "Utica Insurance: Reviews, Coverage, And Cost", 2022).
## Ratings and Customer Feedback Utica National receives mixed ratings from various sources: | Rating Source | Rating | Details | |--------------|--------|---------| | **A.M. Best Financial Strength** | A (Excellent) | Financial Strength Rating of A (Excellent) affirmed; Long-Term ICR upgraded to "a+" (Excellent) from "a" (Excellent) in November 2024 [(AM Best, "AM Best Upgrades Issuer Credit Ratings...", 2024)](https://news.ambest.com/presscontent.aspx?altsrc=149&refnum=35408) | | **Demotech** | Super Regional P/C Insurer | Designated a Super Regional Property/Casualty Insurer by Demotech, Inc., for the 18th consecutive year [(Rome Sentinel, "Utica National builds on success...", 2025)](https://www.romesentinel.com/townnews/insurance/utica-national-builds-on-success-sets-sights-on-2b-goal/article_9e5b8ce8-ed43-11ef-b71d-031e71e3c9ed.html) | | **NAIC Complaint Index** | 0.38 (Home) | With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.38 Utica is better than average for homeowners insurance | | **Better Business Bureau** | A+ | Not BBB Accredited; the Utica National Insurance Group has an A+ rating with the BBB, and in the past three years had only 11 complaints filed [(Better Business Bureau, "Utica National Insurance Group BBB Business Profile", 2026)](https://www.bbb.org/us/ny/binghamton/profile/insurance-companies/utica-national-insurance-group-0041-57101402) | | **Yelp** | 1.0 stars | 13 reviews with predominantly negative sentiment regarding claims handling [(Yelp, "Utica National Insurance Reviews", 2026)](https://www.yelp.com/biz/utica-national-insurance-new-york) | | **Google Reviews (Headquarters)** | 2.1/5 stars | 78 reviews with mixed feedback | The company has earned industry recognition, including designation to The Ward Group's "Top 50" list of top-performing property-casualty insurance companies nationwide for its third consecutive year, designation as a Super Regional Property/Casualty Insurer by Demotech, Inc., for the 18th consecutive year, and named a Top Insurance Employer for the seventh consecutive year by Insurance Business America magazine [(Rome Sentinel, "Utica National builds on success, sets sights on $2B goal", 2025)](https://www.romesentinel.com/townnews/insurance/utica-national-builds-on-success-sets-sights-on-2b-goal/article_9e5b8ce8-ed43-11ef-b71d-031e71e3c9ed.html). ## Customer Experience Comparison | Metric | Utica National Rating | Industry Average | Assessment | |--------|----------------------|------------------|------------| | Homeowners NAIC Complaint Index | 0.38 | 1.0 | Better than average | | Auto NAIC Complaint Index | 1.58 | 1.0 | Above average complaints | | BBB Customer Complaints (3 years) | 11 | Variable by company size | Low complaint volume | | Claims Contact Time | Within 24 hours | 24-48 hours typical | Meets industry standard | ## Real Customer Reviews
**Yelp Review** "Their insured rear ended me on the freeway in a rental car... took 4 months for them to get things moving and my car fixed then had my personal medical records emailed to their personal Gmail account..." Rating: ★☆☆☆☆ [Source: Yelp](https://www.yelp.com/biz/utica-national-insurance-new-york)
**BBB Customer Review** "A family member was injured as a result of the negligence of a Utica insured. A claim was opened and Utica requested information supporting the claim... We complied with all of this immediately, and were promised a prompt resolution. Instead, we have been completely ignored." Rating: Negative [Source: Better Business Bureau](https://www.bbb.org/us/ny/binghamton/profile/insurance-companies/utica-national-insurance-group-0041-57101402/customer-reviews)
Customer feedback reveals a mixed picture. The Utica National Insurance Group has an A+ rating with the BBB, and in the past three years had only 11 complaints filed, an incredibly low number for a large insurance company [(Better Business Bureau, "Utica National Insurance Group BBB Business Profile", 2026)](https://www.bbb.org/us/ny/binghamton/profile/insurance-companies/utica-national-insurance-group-0041-57101402). However, individual customer reviews on platforms like Yelp and BBB express frustration with claims handling and communication. With an index of 0.38, Utica is better than average for homeowners insurance according to complaint data, though customer experience varies by product line and individual circumstances. The company's auto insurance line shows a higher complaint index of 1.58, indicating more challenges in that segment. ## Leadership and Company Culture Effective July 1, 2024, Kristen H. Martin became the first woman CEO of the Utica National Insurance Group, taking on the role with the retirement of Richard P. Creedon, Chairman of the Board and Chief Executive Officer, following his 26-year career with the company. Creedon remains Chairman of the Board. Martin was most recently President and Chief Operating Officer, having been named to the position in 2019. She holds a juris doctorate from Albany Law School. [(Utica National Insurance Group, "Kristen Martin Becomes First Woman CEO of Utica National...", 2024)](https://www.uticanational.com/newsroom/creedon-announces-retirement-martin-named-ceo-president) The company was named a Top Insurance Employer by Insurance Business America magazine for the 7th consecutive year [(Ibid., "2024 Annual Report", 2024)](https://secure.uticanational.com/marketing/annual-report/), suggesting a positive workplace culture that may translate to better customer service. This recognition places Utica National among a select group of insurers known for employee satisfaction and retention. Looking ahead, the company plans to open a new office in Charlotte, North Carolina, in 2025, with plans to hire more than 75 new employees [(Rome Sentinel, "Utica National builds on success, sets sights on $2B goal", 2025)](https://www.romesentinel.com/townnews/insurance/utica-national-builds-on-success-sets-sights-on-2b-goal/article_9e5b8ce8-ed43-11ef-b71d-031e71e3c9ed.html). This expansion demonstrates the company's commitment to growth in strategic markets while maintaining its regional insurer focus. ## Frequently Asked Questions **How do I get a quote from Utica National Insurance?** Utica National does not provide direct online quotes. To get a quote, you must contact a local independent agent who represents Utica National [(Utica National, "Car Insurance from your trusted local agent", 2026)](https://www.uticanational.com/personal/auto). **What states does Utica National operate in?** Utica National provides insurance coverage in all 50 states, the District of Columbia, and Puerto Rico. However, not all coverage options are available in every state. **Is Utica National financially stable?** Yes. AM Best affirmed Utica National's Financial Strength Rating at A (Excellent) and upgraded its Long-Term Issuer Credit Rating to "a+" (Excellent) in November 2024, reflecting the company's strongest balance sheet and strong capital position. [(AM Best, "AM Best Upgrades Issuer Credit Ratings...", 2024)](https://news.ambest.com/presscontent.aspx?altsrc=149&refnum=35408) **Does Utica National have a mobile app?** No. Utica National discontinued its AdvantEDGE mobile app in August 2019. Customers now use the web-based Customer Care Center for policy management [(Motor1, "Utica Insurance: Reviews, Coverage, And Cost", 2022)](https://www.motor1.com/reviews/402378/utica-insurance/). **How do I file a claim with Utica National?** You can file a claim 24/7/365 by phone at 800-216-1420, through the online Customer Care Center, by email at claimsnewreport@uticanational.com, or by fax or mail. A Claims Representative will contact you within 24 hours or the next business day [(Utica National Insurance Group, "Claims Process", 2023)](https://www.uticanational.com/claims/claims-process). **What discounts does Utica National offer on auto insurance?** Utica National offers discounts for annual mileage credits, paid-in-full premiums, anti-theft devices, occasional operators, educators, and good students. The company also offers vanishing and diminished deductible programs [(Ibid., "Car Insurance from your trusted local agent", 2026)](https://www.uticanational.com/personal/auto). **Is Utica National a mutual company?** Yes. Utica National has operated as a mutual insurance company since its founding, meaning policyholders own the company rather than outside shareholders [(Insurance Journal, "Utica National Insurance Group Surpasses $1B in Direct Written Premiums", 2017)](https://www.insurancejournal.com/news/east/2017/12/28/475407.htm). **What are the member companies of Utica National Insurance Group?** Member companies include Founders Insurance Company, Graphic Arts Mutual Insurance Company, Republic-Franklin Insurance Company, Utica Lloyd's of Texas, Utica Mutual Insurance Company, Utica National Assurance Company, Utica National Insurance Company of Ohio, Utica National Insurance Company of Texas, and Utica Specialty Risk Insurance Company [(Utica National Insurance Group, "Member Companies", 2026)](https://www.uticanational.com/company/member-companies). **Has Utica National had any regulatory issues?** Yes. In August 2024, the New York State Department of Financial Services issued a consent order requiring Utica National to pay $241,000 for violations related to DMV filing obligations. [(New York State Department of Financial Services, "Consent Order for UTICA NATIONAL INSURANCE GROUP", 2024)](https://www.dfs.ny.gov/industry-guidance/enforcement-discipline/ea20240801-co-utica-national) **Is Utica National good insurance?** Utica National offers strong financial stability with an A (Excellent) rating from AM Best and competitive pricing in some markets, but customer experience varies. The company shows better-than-average performance for homeowners insurance (0.38 NAIC complaint index) but higher-than-average complaints for auto insurance (1.58 index). The independent agent model may be ideal for customers who value personalized service but less convenient for those seeking quick online quotes.