When it's time to choose E&O coverage for your agency, select the protection that works in the world of ever-changing markets and business flux.

Utica Mutual has been providing E&O coverage since 1966. Our seasoned team of service-oriented underwriters and claims staff understand the complexities of E&O coverage.

They stand ready to respond to your calls at their toll free number.

We are on your team - helping what's yours. Statistics indicate that insurance agents are among the most frequently sued professionals. Whether you are at fault or not you are still burdened with the potentially devasting cost of defending your agency.

What's covered?
Utica's E&O coverage protects you against liability claims for errors, omissions and negligent acts that result from the day-to-day running of your business. Such as:

Additional activites can be covered ---you pay only for the professional serviced your agency offers.

Who's Covered?
Utica's E&O policy protects:

Flexible Deductible

You can select from a wide range of deductibles --- from $1,000 to $100,000.

Utica offers a Loss-Only Deductible (gives you first dollar legal defense coverage) and Loss-Plus-Litigation Deductible (combined) and saves you money on your E&O premium by applying the deductible against the loss payments and legal expense when a claim is in suit.

Aggregate deductible --- Three times the per-loss deductible is standard an included automatically.  This caps your deductible payments due to multiple clams

Loss Control