Important Message

Utica National’s Coverages Relating

to Coronavirus (COVID-19)


As coronavirus (COVID-19) continues to spread in the United States, Utica National is closely monitoring the situation. Our main focus is on helping to keep people safe and informed during this period of uncertainty. The health and safety of our employees, agents, and policyholders is vital.

We have seen a surge in the amount of questions relating to coverage for COVID-19, and we wanted to provide some clarification on our coverage, and how insureds should proceed with submitting claims.

Utica National provides Property coverage on our Commercial Package Policy (CPP) and Businessowners Policy (BOP), which often contain coverage for Business Income and Extra Expense. This coverage is triggered by a direct physical loss or damage to property at the described premises, usually 72 hours after the incident. Our Property form contains the standard ISO exclusion for loss due to virus or bacteria. There are no current options for a buy-back of this coverage.

Our General Liability coverage is triggered by bodily injury, sickness, or diseases sustained by a person as defined by the policy conditions. Each situation will be unique; therefore, it would be imperative to discuss any actual claim situation with a Utica National claims professional at the time of a loss. Our Legal Liability forms include exclusions for emotional distress, sickness, or death.

Workers Compensation will cover bodily injury by accident or bodily injury by disease. A disease must be caused by conditions of employment, but ordinary diseases of life are not covered.

We know that there is much uncertainty surrounding the spread of this virus, and the measures that will be taken to help contain it. Our first responders and medical professionals are helping to treat patients and stop the continued spread, but we know that we could all be impacted by this in the coming days and weeks.

We encourage our policyholders to submit any claims that arise from COVID-19, and we will review the individual circumstances.

As always, thank you for your business and be safe!



Utica Mutual Insurance Company, its affiliates and subsidiaries, 180 Genesee St., New Hartford, NY 13413

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