Lines of Insurance:
Auto, Homeowners

States licensed to sell insurance in:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, VI, WA, WV, WI, WY

Type of Insurance Company: Property and Casualty

Name of Parent Company:
Utica National Insurance Group

Company Overview:

Company History: Utica Mutual Insurance Company (the lead insurer of the Utica National Insurance Group), a New York state based commercial and personal lines property/casualty insurance group, traces its beginnings to 1914. The Utica National Insurance Group operates through a fleet of 6 property and casualty insurance companies. Sales are made through about 1,200 independent agents and brokers. The group is licensed in all states, Puerto Rico and Canada. The group's life insurance subsidiary, UticaLife, was sold in 2006 because the strategic decision of The Utica National Group was to focus its efforts on the property and casualty business. Commercial lines are targeted to specialized markets that include schools, religious institutions, printing companies, wholesalers and agents (errors and omissions insurance). The group also offers personal lines coverage such as private passenger automobile and homeowner's, but does not emphasize these lines. The group mainly sells these in Connecticut, Massachusetts, New York, North Carolina, Tennessee and Virginia and tightly manages the market shares. The most significant lines of business are commercial multi peril (29% of direct premiums in 2005), workers' compensation (18%), commercial auto liability (16%) and other commercial liability coverages (10%). Workers' compensation has become a larger part of the business mix and is offered in areas where the regulatory environment is deemed to be favorable. Expansion of writings to schools and printers are planned and more sales are being targeted in the Midwestern states and in the Mid-Atlantic and Southeast. The group's major states for direct written premiums in 2005 were New York (45%), Massachusetts, (6%) and New Jersey (6%).

Principal Methods: The Utica National Insurance Group sells through about 1,200 independent agents and brokers in all states, Canada and Puerto Rico.

Auto Business: The Utica National Insurance Group's main business is commercial lines of property and casualty insurance, but it also offers personal lines coverage such as private passenger automobile and homeowner's on a limited basis in certain states. The group mainly sells these in Connecticut, Massachusetts, New York, North Carolina, Tennessee and Virginia and tightly manages the market shares.

Homeowners Business: The Utica National Insurance Group's main business is commercial lines of property and casualty insurance, but it also offers personal lines coverage such as private passenger automobile and homeowner's on a limited basis in certain states. The group mainly sells these in Connecticut, Massachusetts, New York, North Carolina, Tennessee and Virginia and tightly manages the market shares.

Company Rating:
Best Insurance Reports: 04202
Best Rating: A-

Company Financial Status:
Assets & Premiums: The Utica National Insurance Group had net premiums written in 2006 of $621 million and year end admitted assets of $2.4 billion.