Utica National Insurance Group
Utica National Insurance Group is a New York-based mutual property and casualty insurer, founded in 1914 and owned by its policyholders, offering personal and commercial lines across 19 U.S. states exclusively through independent insurance agents, with specialty niches in volunteer fire departments and craft breweries.
- Company typePrivate
- Founded1914
- HeadquartersNew Hartford, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Utica National Insurance Group does
Utica National Insurance Group is a U.S. property and casualty mutual insurer headquartered at 180 Genesee St., New Hartford, New York. Founded in 1914 as Utica Mutual Insurance Company and owned by its policyholders rather than external shareholders, the group operates through its core entity plus affiliates and subsidiaries. Its product set is structured in two segments: Personal Lines (auto, homeowners, boat, motorcycle, renters, snowmobile, umbrella, and identity theft protection for individuals and families) and Commercial Lines (auto service, auto dealers, small business BOP, bonds, childcare centers, craft breweries, contractors, educational institutions, ERISA & crime, E&O, liquor liability and special events, graphic communications, libraries, light manufacturing and woodworking, professional services, religious institutions, retailers, restaurants, volunteer fire departments, wholesalers, and workers' compensation). Supporting services include Uti-CARE (medical case management and cost containment for workers' comp claims), Right Pay (pay-as-you-go workers' comp billing), premium audit, and risk management services with bundled Vector Solutions online training.
The company makes money primarily through recurring property and casualty insurance premiums, quoted risk-by-risk and not publicly disclosed, with policyholders offered installment payment flexibility. Distribution is 100% indirect via a network of independent local insurance agents located across an authorized 19-state geography spanning the New England, Mid-Atlantic, Southeast, and Midwest regions (NH, MA, RI, CT, NY, NJ, DE, MD, PA, D.C., VA, NC, SC, GA, TN, TX, OH, IN, IL); agent lookup is enabled through a ZIP-code tool on the company website. Headcount of 1,001-5,000 supports headquarters plus three regional offices in Charlotte (NC), Richardson (TX), and Woodbury (NY). Customer satisfaction metrics include a 97% claims satisfaction score (per a single disclosed VFD testimonial), and the company is a three-time winner of the Top Insurance Workplace award.
The underlying technology stack is not publicly disclosed: no proprietary platform, app, API, SDK, or AI product is referenced. Distribution relies on a web-based agent portal and a Customer Care Center login for policy service, alongside social channels (Facebook, Twitter, LinkedIn) used for top-of-funnel engagement. Community engagement assets include sponsorship of the Boilermaker 5K and Utica National Kids' Run. Reported litigation activity in 2021-2024 includes a commercial auto coverage dispute with Ohio Security, a $2.4M product liability subrogation suit against Philips North America, and an adverse New Jersey federal court ruling on pollutant coverage for Oak Knoll School — collectively indicative of active coverage litigation typical of a mid-sized regional P&C carrier.
Utica National Insurance Group firmographics
Firmographics- Name
- Utica National Insurance Group
- Legal name
- Utica Mutual Insurance Company
- Website
- https://uticanational.com
- Company type
- Private
- Founded year
- 1914
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Utica National Insurance Group is a New York-based mutual property and casualty insurer, founded in 1914 and owned by its policyholders, offering personal and commercial lines across 19 U.S. states exclusively through independent insurance agents, with specialty niches in volunteer fire departments and craft breweries.
- Ownership category
- akta.pro rank
Utica National Insurance Group industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- akta.pro primary industry
- Large Commercial Package (National Accounts) (FSAJAFAC)
Keywords
Where Utica National Insurance Group is headquartered
LocationHeadquarters
- HQ city
- New Hartford
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Utica National Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Property and Casualty Insurance Premiums: Utica National Insurance Group generates revenue through property and casualty insurance premiums across personal and commercial lines. The company has been committed to serving policyholders since 1914, offering personal lines (auto, homeowners, boat, motorcycle, renters, snowmobile, umbrella) and commercial lines (workers compensation, auto service, contractors, educational institutions, religious institutions, restaurants, retailers, and more).
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Utica National Insurance Group product offering
Product offeringCore offering
Utica National Insurance Group is a property and casualty mutual insurance company providing personal and commercial insurance products distributed exclusively through independent local insurance agents. The company offers personal lines (auto, homeowners, boat, motorcycle, renters, snowmobile, umbrella, and identity theft protection) and commercial lines (workers' compensation, auto service, auto dealers, contractors, restaurants, retailers, craft breweries, childcare centers, educational institutions, religious institutions, libraries, wholesalers, and specialized volunteer fire department coverage). Founded in 1914 and headquartered in New Hartford, NY, the company operates across 19 U.S. states and provides supporting services including Uti-CARE medical case management, Right Pay pay-as-you-go billing, Premium Audit, and Risk Management resources.
Product overview
Utica National Insurance Group is a property and casualty insurance company offering a comprehensive portfolio of personal and commercial insurance products. The company provides personal lines including auto, homeowners, boat, motorcycle, renters, snowmobile, and umbrella insurance. On the commercial side, they offer industry-specific coverages such as Auto Service, Auto Dealers, Small Business (BOP), Contractors, Restaurants, Retailers, Wholesalers, Educational Institutions, Religious Institutions, Craft Breweries, Libraries, Graphic Communications, Light Manufacturing & Woodworking, Professional Services, Childcare Centers, Liquor Liability, ERISA and Crime Program, and Workers' Compensation. The company also provides specialized Volunteer Fire Department insurance with unique coverages including replacement cost, D&O liability, cyber liability, and violent events expense. Supporting services include Uti-CARE (medical case management and cost containment for workers' compensation), Right Pay (pay-as-you-go billing), Premium Audit, and Risk Management Services with Vector Solutions online training. Utica National operates with a personalized focus on policyholders and has been committed to serving customers since 1914.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance
- Homeowners Insurance
- Boat Insurance
- Identity Theft Protection
- Motorcycle Insurance
- Renters Insurance
- Snowmobile Insurance
- Umbrella Insurance
- Married Coverage Bundles
- Workers' Compensation Insurance
- Auto Service Insurance
- Auto Dealers Insurance
- Small Business Insurance (BOP)
- Commercial Bonds
- Childcare Centers Insurance
- Craft Breweries Insurance
- Contractors Insurance
- Educational Institutions Insurance
- ERISA and Crime Program
- Errors & Omissions (E&O) Insurance
- Liquor Liability and Special Events Insurance
- Graphic Communications Insurance
- Libraries Insurance
- Light Manufacturing & Woodworking Insurance
- Professional Services Insurance
- Religious Institutions Insurance
- Retailers Insurance
- Restaurants Insurance
- Volunteer Fire Departments Insurance
- Wholesalers Insurance
- Right Pay Billing Service
- Premium Audit Services
- Risk Management & Safety Services
Quantifiable outcome
- 97% customer satisfaction score on claims
Companies that use Utica National Insurance Group
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Utica National Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Utica National Insurance Group partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Utica National Insurance Group competitors and assessment
Company assessmentDirect peers
- Erie Insurance: Erie, PA-based mutual P&C insurer distributing exclusively through independent agents across personal and commercial lines — virtually identical mutual, agency-distributed, multi-line P&C model to Utica National.
- Westfield Insurance: Medina, OH-based regional mutual P&C insurer with personal and commercial lines distributed through independent agents — comparable mutual, regional structure with overlapping Midwest footprint.
- Selective Insurance Group: Branchville, NJ-based regional P&C carrier writing commercial and personal lines through independent agents in the same Northeast/Mid-Atlantic corridor as Utica National.
- Donegal Group: Marietta, PA-based regional P&C holding company with personal and commercial lines sold primarily through independent agents — high geographic overlap with Utica's Mid-Atlantic core states.
- Cincinnati Financial: Ohio-based mutual P&C insurer with an agency-driven model and a similarly long operating history; comparable mix of personal and commercial lines with emphasis on specialty commercial niches.
- Hagerty: Specialty insurer focused on collector vehicles, boats, and enthusiast personal lines — directly comparable to Utica's specialty personal products (boat, motorcycle, snowmobile) and similar niche-driven positioning within personal P&C.
- The Hanover Insurance Group: Worcester, MA-headquartered regional P&C carrier with overlapping Northeast and Mid-Atlantic personal/commercial lines and independent-agent distribution — directly comparable regional peer.
- Plymouth Rock Assurance: Boston-based regional P&C carrier focused on Northeast personal and small-commercial lines; comparable independent-agent distribution and similar personal-lines product set (auto, homeowners, umbrella).
Broad incumbents
- Travelers Companies: National P&C incumbent offering personal and commercial lines nationwide, including workers' comp and specialty commercial — overlaps Utica's product set at vastly greater scale and with national distribution.
- Liberty Mutual Insurance: Large national/global P&C incumbent with personal lines, commercial, and specialty coverage — competes with Utica in commercial package, workers' comp, and specialty verticals but at far broader scale and with deeper digital investment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Utica National Insurance Group social profiles
Digital presenceUtica National Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Utica National Insurance Group leadership team
Management profileNumber of profiles
Profiles3 records
Utica National Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Utica National Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Utica National Insurance Group
What does Utica National Insurance Group do?
Utica National Insurance Group is a property and casualty mutual insurance company providing personal and commercial insurance products distributed exclusively through independent local insurance agents. The company offers personal lines (auto, homeowners, boat, motorcycle, renters, snowmobile, umbrella, and identity theft protection) and commercial lines (workers' compensation, auto service, auto dealers, contractors, restaurants, retailers, craft breweries, childcare centers, educational institutions, religious institutions, libraries, wholesalers, and specialized volunteer fire department coverage). Founded in 1914 and headquartered in New Hartford, NY, the company operates across 19 U.S. states and provides supporting services including Uti-CARE medical case management, Right Pay pay-as-you-go billing, Premium Audit, and Risk Management resources.
Is Utica National Insurance Group a public or private company?
Utica National Insurance Group is a private company. It is classified as management employee owned and is currently operating.
When was Utica National Insurance Group founded?
Utica National Insurance Group was founded in 1914. It employs 1,001 to 5,000 people.
Where is Utica National Insurance Group based?
Utica National Insurance Group is headquartered in New Hartford, United States, in the North America region.
How does Utica National Insurance Group make money?
One revenue line is on record: property and Casualty Insurance Premiums.
Who are Utica National Insurance Group's main competitors?
Direct peers on record are Erie Insurance, Westfield Insurance, Selective Insurance Group, Donegal Group, Cincinnati Financial, Hagerty, The Hanover Insurance Group and Plymouth Rock Assurance. Broad incumbents are Travelers Companies and Liberty Mutual Insurance.
Does Utica National Insurance Group have an API?
No public API is recorded for Utica National Insurance Group.
What industry is Utica National Insurance Group in?
Utica National Insurance Group's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJAFAC, Large Commercial Package (National Accounts). Its NAICS code is 524126.