LinesBOP, WC, GL, Commercial auto, Commercial property, Umbrella, Cyber
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Professional services | BOP | Most states | Best-performing professional services classes: legal services, medical and dental offices, management consulting, health practitioners, accounting, engineering and chiropractors. CommercialEDGE BOP max $15M TIV per location, $30M all locations and $30M sales, buildings up to 6 stories; BOP, WC, commercial auto and umbrella available, with a cyber suite and EPL up to $1M (Professional Services Small Business Guide 9-A-2976, Feb 2025). |
| Retail | BOP | Most states | Retailers are eligible up to $30M TIV and $30M gross sales; grocery and convenience stores up to $10M each. Long class list from apparel, books and electronics to florists, hardware and jewelry. Ineligible: manufacturing, 24-hour operations, vacant buildings and premises over 66% residential (Small Business Guide 9-A-2762, Jan 2024). |
| Contractors | BOP | Most states | Contractors eligible up to $7.5M TIV, including HVAC, electrical, interior carpentry, residential remodeling up to 3 stories, concrete flatwork, floor covering, landscaping, masonry, painting and septic. These contractor classes are not available in New York (Small Business Guide 9-A-2762, Jan 2024). |
| Restaurants | BOP | Most states | Restaurants eligible up to $7.5M TIV and $10M sales: bakeries, coffee and donut shops, delis, pizza, cafes, diners and family-style restaurants, with liquor liability available in most states (sit-down restaurant classes not in New York). The BOP cyber suite adds data compromise, computer attack, cyber extortion and network security liability (Small Business Guide 9-A-2762, Jan 2024). |
| Wholesale | BOP | Most states | Wholesalers eligible up to $15M TIV and $20M sales. Middle market wants local distributors of low-hazard end-use goods (food, beverage, construction materials) with a defined local-to-intermediate radius and US products liability in place for importers (Small Business Guide 9-A-2762, Jan 2024; Middle Market flyer 9-A-3031, Feb 2023). |
| Contractors | GL | Most states | Middle market targets established full-time contractors working mostly indoors (no roofing, street or road work) who sub out under 25% of their work, such as electricians, concrete flatwork and HVAC, with contractors E&O available on the package (Middle Market flyer 9-A-3031, Feb 2023). |
| Restaurants | Umbrella | Most states | Utica wants family-style, fine-dining and casual restaurants in middle market and can write liquor liability within its package and umbrella; catering up to about 20% of receipts and valet parking are acceptable (Middle Market flyer 9-A-3031, Feb 2023). |
| Manufacturing | Commercial property | Most states | Middle market writes a wide range of manufacturers of consumer goods (food, electronics, fabricated metal and wood products) and machine/job shops, with optional theft of precious metals, patterns and molds, manufacturers selling price and manufacturers E&O (Middle Market flyer 9-A-3031, Feb 2023). Manufacturing is not BOP-eligible. |
How to quote Utica National
→Carrier portal. Quote directly in the Utica National agent portal.