Utica First Insurance

Utica First Insurance Company is a regional carrier headquartered in Oriskany, New York, with roots dating back to 1903, when it was chartered as an Advance Premium Co-op in Oneida County, New York. Over the decades, the company expanded well beyond its original property insurance focus, eventually developing products like Homeowner, Landlord Package, Restaurant and Tavern, Convenience Store, Small Artisan Package, and Business Owner policies. Today, the carrier is known for an innovative Artisan Contractor product and a highly competitive Business Owner’s Policy, with particular strength in restaurant and small contractor coverage.

Utica First holds an A (Excellent) rating from A.M. Best and writes business across Connecticut, Florida, Maryland, Massachusetts, New Jersey, New York, Ohio, Pennsylvania, and Virginia. The company has built a reputation for niche, cost-effective commercial coverage tailored to small and medium-sized businesses, while also growing its personal lines offerings throughout the Northeast. With over a century in business, Utica First combines the responsiveness of a regional insurer with deep underwriting expertise in the trades, hospitality, and small business markets it knows best.