Does your current insurance meet your needs? Obtaining the proper insurance is one of the most important things your company can do to protect profits. Utica National’s Wholesalers and Distributors
Insurance Program provides the broad protection wholesalers and distributors need today. Coverage can be tailored to include Workers Compensation, Business Auto, Commercial Umbrella Liability, General Liability, Commercial Property, Inland Marine, Crime, Bonds, and Life.

This special program for Wholesalers and Distributors offers enhanced protection for areas of particular concern to you.

OUR WHOLESALERS AND DISTRIBUTORS UNI-FLEX ENDORSEMENT PROVIDES OVER
20 PACKAGED COVERAGE ENHANCEMENTS INCLUDING:

BRANDS AND LABELS COVERAGE
This coverage helps protect the reputation and marketing appeal of your products after a covered loss. It pays the reasonable costs you incur to stamp “salvage” on merchandise or remove any brands or labels from damaged items.

BUSINESS INCOME FROM DEPENDENT PROPERTIES
Pays for lost income resulting from the necessary suspension of your operations due to direct physical loss or damage by a covered cause of loss to those entities designated as your
important suppliers, buyers, or manufacturers.

CONSEQUENTIAL LOSS
This coverage pays for the reduction in the value of remaining stock that is rendered unmarketable as a complete product because another part or parts of the stock have been lost or damaged by a covered cause of loss.

COVERAGE FOR SEASONAL INCREASE IN YOUR BUSINESS PERSONAL PROPERTY
This coverage provides automatic increases for seasonal variations in the value of your business personal property.

Utica recognizes that no two wholesalers or distributors are alike. With our Wholesalers & Distributors program you can choose the higher limits and/or broader coverage you may need for various Property, Crime and Inland Marine exposures.

OTHER OPTIONAL COVERAGES AVAILABLE

WHOLESALERS LIMITED PRODUCT RECALL COVERAGE Provides for the reimbursement of certain extra expenses (notification, overtime, shipping, etc.) incurred because of a product withdrawal or recall due to product defect or tampering.

DEFERRED PAYMENTS COVERAGE
Covers your interest in personal property sold under any installment or deferred payment plan after delivery to the buyers.

EQUIPMENT BREAKDOWN COVERAGE
Equipment breakdown, consisting of disturbances from artificially generated electrical current; mechanical breakdown; explosion of steam boilers, engines or turbines caused by a condition or event inside the equipment is added as a covered cause of loss for covered property. Coverage is also added for spoilage and contamination (perishable goods), expediting expense, service interruption and drying out of electrical equipment when an equipment breakdown occurs.

GENERAL LIABILITY EXTENSION ENDORSEMENT
Broadens coverage provided under your Commercial General Liability Coverage.

COMMERCIAL AUTO EXTENSION ENDORSEMENT
Extends your Business Auto Policy by including additional coverage items not written in your basic Auto Policy. Two of the more popular features of this endorsement are Automatic Hired Auto Physical Damage coverage and Theft Expenses coverage.

AUTO BUSINESS INCOME COVERAGE
Modifies coverage provided under the Business Auto-mobile Coverage Form by paying for the actual loss of business income and extra expense you sustain due to the destruction or disablement of a covered auto.

EMPLOYMENT PRACTICES COVERAGE
Insures against a wide range of exposures including wrongful termination, wrongful refusal to employ, sexual harassment, discrimination, failure to promote, and much more.

EMPLOYEE BENEFITS PROGRAM LIABILITY
Insures against negligent acts, errors, or omissions committed by you or any person for whose acts you are legally responsible for while engaging in the administration of your employee benefit plans.

ACCESSIBLE PROFESSIONALS
Utica has provided top quality coverages and service to policyholders since 1914. Our marketing and underwriting experts work with you and your local independent agent to provide a complete insurance program that meets the needs of your business.

CLAIMS SERVICES
Utica’s convenient claims offices are staffed with experts who know your needs and are on call 24 hours a day, seven days a week to serve you promptly and efficiently. Ask about Utica’s Uti-CARE program that provides significant savings to workers compensation policyholders by providing timely, quality medical care that can put employees back on the job more quickly.

LOSS CONTROL SERVICES
Utica’s loss control specialists can help you identify potential hazards and recommend measures to eliminate or reduce those risks. Our video library allows you to borrow safety videos on a variety of issues such as Machine Safeguarding and Manual Material Handling.

DRUG-FREE WORKPLACE PROGRAM
Utica National can help you set up a Drug-Free Workplace Program within your company. Your business can save money by improving productivity, and your employees can feel secure in a safe, drug-free work environment.

PAYMENT CONVENIENCE
To make paying your insurance premiums easy and convenient, we offer our UNIBILL program that allows you to combine up to ten commercial policy premiums on a single bill. You can choose the due date to fit your budgeting needs.

Another option, UniPAY, allows monthly electronic fund transfers to be made from your savings or checking account on any day you select. A monthly statement will be provided upon request.

GROUP SAVINGS
Utica has established Safety Groups for many industries. These programs can result in substantial savings in the form of dividends to companies when their group’s combined loss experience is favorable.

SAVINGS FOR WORKERS COMPENSATION CUSTOMERS
Those customers who are not members of a Workers Compensation Safety Group may receive substantial dividend savings in one of Utica’s specially designed dividend programs. Various sliding scale and retention plans are available.

SUPPORT FOR UNIQUE BUSINESS EXPOSURES
Our member company, UNI-Service Excess Facilities, specializes in providing coverage for “non-standard” exposures you may have.*

*Coverage and availability vary by state.

ONE-STOP BONDS
Our full-service Bond Department saves you time by offering a wide variety of Surety and Fidelity bonds all under one roof.