The website at (“site”) is the property of Utica Mutual Insurance Company, which is a member company of the Utica National Insurance Group (“Utica National” or “Company”).  The following notices, Terms of Use and Privacy Policy apply to this domain (  Separate terms of use apply to our Customer Care center.

By using this Site, you accept these Terms of Use in full. If you disagree with these Terms of Use in whole or in part, you must not use this Site. We reserve the right to change, modify, add, or remove portions of these terms at any time. Please check these terms periodically for changes.

Terms of Use

You must not use the Site in any way that causes, or may cause, damage to the Site or impairment of the availability or accessibility of the Site; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use the Site to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is connected to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any data collection activities (including but not limited to scraping, data mining, data extraction and data harvesting) on or in relation to the Site without Utica National’s express written consent.

Utica National has the right to deny you access to and use of the Site and its content for any reason, including violation of the Terms of Use.


Products and services represented on this site may not be available in all geographical areas of the United States and are not available outside of the United States.  The Site is controlled and operated from inside the United States and is not intended to subject Utica National to the laws of any state or territory other that the states or territories in which insurance products are offered for sale.  Information and descriptions of policies and services are provided solely for general informational purposes and are not intended to be complete descriptions of features, terms, conditions or exclusions. Utica National disclaims all warranties, express or implied.

This information is not intended to constitute an offer to sell, nor is it a solicitation for any product or service by the member companies of Utica National. The relevant policy contains a complete description of coverage.  To the extent there is any conflict between the terms of a policy and the information provided on this Site, the terms of the policy govern. 

This site may have links to other sites which are not maintained by Utica National. Such links do not imply endorsement or approval by Utica National of these sites or the content therein.

Use of Cookies

Utica National uses cookies to track the usage of By using this Site, you consent to the Company’s use of cookies.  Cookies are small files placed in your computer. These cookies do not gather or reveal personal information about visitors to our Site. The site usage information collected by cookies helps us improve to better serve your needs.

Utica National may use both session cookies and persistent cookies (persistent cookie remains after you close your browser). Persistent cookies may be used by your browser on subsequent visits to the site. Persistent cookies can be removed by following your web browser instructions. A session cookie is temporary and disappears after you close your browser. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the Site may not function properly if the ability to accept cookies is disabled.

Fraud Policy

The Utica National Insurance Group is committed to doing business in an environment of honesty and integrity. View our Fraud Policy.

Licensing Information

View licensing information for the property/casualty insurance companies of the Utica National Insurance Group, their states of domicile, administrative office location and their NAIC numbers here


Date last modified:  January 2024.