Maintaining ideals such as these can be difficult, but they are the foundation of a good reputation. Your community and your customers place their financial confidence in you. An ever-changing economy always will carry an element of risk, but there are some risks you shouldn’t have to worry about. That’s where the property-casualty insurance program from Utica National fits in.

About our Insurance Program for Financial Institutions
We’ve built a program that is different from any other. It is designed to provide comprehensive protection in one convenient package with wide-ranging coverages, customized loss control service and competitive pricing. Our coverages address the risk of losses specific to financial institutions. Along with standard property and liability insurance for commercial operations, our program includes the following:

• A Financial UNI-Flex Endorsement with 24 customized coverages
• Coverages for repossessed property, trust property, and data processing equipment,
• Assistance with risk management techniques from our trained loss control specialists to help you reduce or minimize losses.
• And more.

We invite you to compare our program with your existing policy to see firsthand how Utica can fill the gaps in coverage.

From Marble to Paper
Our program of property coverage for buildings and contents extends from the walls of your buildings to the valuable papers inside them.

Property Coverage

• Coverage for risks of direct physical loss to buildings and business personal property—including vaults, automatic teller machines, and night depositories — unless specifically excluded.
• Replacement cost coverage — No deduction for depreciation of property when a claim is filed for a covered loss. (Check with your insurance agent for details on the kinds of insured property that have replacement cost coverage.)

General Liability Coverage

• Protects your institution as an entity and your directors, officers, stockholders and employees from liability claims involving bodily injury, property damage, advertising injury, or personal injury.
  

Financial Uni-Flex Endorsement
These coverages either go above and beyond the provisions in our Commercial Package Policy (CPP) or enhance certain CPP coverages by substantially increasing their limits. Here are some highlights:

• Valuable Papers and Records Coverage for abstracts, deeds, and other important papers— includes reproduction cost valuation which reimburses all work and costs needed to research, restore or replace items.
• Fine arts—Works of art that you own or borrow are valued on a market-value basis
  with an automatic limit. No schedule reporting is necessary.
• Back-up of sewers & drains
• Extra expense
• Lock replacement needed due to theft
• Inventory or appraisals
• Glass
• And 17 other important coverages.

If your institution needs higher limits in any of those areas, there is flexiblity to allow limit increases for most coverages.

Repossessed Property Coverage

• Protects you against third-party claims involving property you have repossessed.
  This includes protection if someone gets injured on that property.
• Property coverage available for direct physical loss to residential property, including the cost of demolition. Commercial properties will be considered on an individual basis.
• Automobile liability, comprehensive and collision coverages are available for repossessed vehicles.

Trust Property Coverage
Covers risks of direct physical loss to trust/estate property scheduled in your declarations for which you are acting in a fiduciary or representative capacity.

Data Processing Coverage

• Covers data processing equipment, media, data, and computer programs you own, lease or rent, or for which you are legally responsible.
• Option available for up-graded equipment value, extra expense, and business income
  coverages. The latter two are available in case you are unable to use data processing facilities after a covered physical loss.

Loss Control/Risk Management Services
Utica National’s loss control specialists are trained to evaluate and review risk management techniques for:

• Automatic Teller Machine
• Repossessed Auto
• Repossessed Real Estate
• Disaster Recovery Planning

Our loss control department offers our customers a video library and training opportunities on a number of loss control issues like ergonomics and lifting techniques.

Fast and Efficient Claims Service
Our Claims Department is on call 24 hours a day, seven days a week to serve you promptly and efficiently.

Local Agency Representation
Because you buy your coverage from a local independent insurance agent who represents our companies, you’ll get personalized service in your own community. That means you have an insurance professional close at hand when you need service or insurance advice. Compare our program to your existing policy, and discover how you can find greater protection with a policy from the companies of the Utica National Insurance Group.