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Utica First Insurance Company

Utica First Insurance Company headquartered in Oriskany, New York has reached a milestone in its long history of service. The company was founded on November 18, 1903 when a license was granted to the Utica Fire Insurance Company of Oneida County, New York to operate as a New York State advance premium cooperative insurance company. This was the result of the efforts of an active group of Utica businessmen who wanted to start an insurance company that would provide coverage at lower rates combined with prompt service to the local community.
In the beginning the company wrote only property insurance on an assessable basis.  Now its product line has expanded to include homeowner, landlord package, restaurant and tavern program, convenience store program, small artisan package policy and business owner policies among others.
Now the company is an advance premium cooperative.This means that the premiums for the policies are no longer subjected to assessments if the loss experience is not good.The company has grown from its modest beginnings, but has remained small in relative terms.This enables the company to be specific as to the policies and properties and situations that it wants to insure.Instead of trying to be everything to everybody, the company prefers to be very good at selected things and to emphasize those capabilities.
The company has used these capabilities and marketed its products exclusively through independent agents. It has been growing at a greater pace and operating more profitably than the industry over the past several years. It intends continue to grow in a controlled fashion offering fair rates to the better than average insured for the lines of business it provide coverage for. 

All employees of Utica First Insurance Company are committed to providing the most prompt and polite service, both to their policyholder and independent agent. Thus, once required documents are received at their office.

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