Welcome to Utica First

Amendment & Service Training

How to Amendments/Endorsements are currently handled with Utica First

• The UFN platform is NOT available at this time for agents to ‘self-service’ endorsements.

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• Amendments/Endorsements MUST BE Sent to CL@UTICAFIRST.COM

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• Current processing time 5-7 business days.

How to Amendments/Endorsements are currently handled with Utica First

• Complete information must be submitted to ensure efficient processing.

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• Missing information/required information delays the processing, resulting in extended processing business days.

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Current Utica First workflow process for Amendments

• Amendments/Endorsement sent to CL@Uticafirst.com will be scanned and processed (if within authority) or it will be assigned a task (out of authority).
• Amendment/Endorsements can be processed within authority:
• Mailing Addresses
• Loan numbers
• Premium Finance information
• Amendments/Endorsements outside authority (some examples):
• Name Changes
• Building additions
• Coverage changes

Current Utica First workflow process for Amendments

• Once assigned (if outside authority), it will appear in the UW’s workflow for a future date (3-5 days).
• On the designated task date, it appears for the UW to work the request.

Current Utica First workflow process for Amendments

• If information is missing, this results in the UW requesting information from the agent.
• The information is submitted back to CL@Uticafirst.com and then it is re-tasked.
• If the information is still missing or incomplete, this cycle continues, resulting in extreme delays.

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Including complete information for amendments

Necessary information required

• Not all changes are the same. While most are straight forward, there are some amendments that require specific details to process.
• All amendments require:
• The effective date requested;
• Specific policy number;
• Insured name

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Specific Endorsement requirements – Waiver of Subrogation (WoS) ART policies

• The ART policies include reference to WOS within the AP-100 edition1 & AP-100 edition 2.
• This is found on page 21&41 in the AP-100e2.
• This requires a written agreement in place before an occurrence takes place.
• The agreement must state who they are waiving subrogation for. This remains in the agent's file.
• This does not print on the Dec page.
• This is not a blanket form.

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WAIVER of Subrogation (WoS)

Waiver of Subrogation (WoS) on Named Basis (Additional Insured) - ART

• Requesting the WoS for an AI – we now offer this. This requires the following to be requested to be added:
• AP-0338 – Owners Lessees or Contractors – Ongoing Operations Additional Insured; &
• AP-0341 – Owners Lessees or Contractors – Completed Work Additional Insured (must have the AP-0338)
• Job description must be listed for each address
• Address for each site must be listed
• Missing either the description or address results in not being able to process.
• The AI will appear on the Dec Page for WoS.

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Waiver of Subrogation (WoS) on Named Basis (Additional Insured) – ART – Common issues

• Utica First does not use ISO forms, so requests to add CG 20 38 (AI Ongoing Operations & CG 20 37 (AI Completed Operations) require the AP-0338 and AP-0341 to be added.
• The ISO form CG 24 04 (Waiver of Subrogation) is built into the AP-100 form, so is not added.
• The AP-0338 can be added stand alone.
• If only a county is listed – this can’t be processed.
• Each location requires the AP-0338 & AP-0341.

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How to Add WoS for AI on ART policies at New Business in UFN:

• Utica First does not use ISO forms, so requests to add CG 20 38 (AI Ongoing Operations & CG 20 37 (AI Completed Operations) require the AP-0338 and AP-0341 to be added.
• The ISO form CG 24 04 (Waiver of Subrogation) is built into the AP-100 form, so is not added.
• The AP-0338 can be added stand alone.

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How to Add WoS for AI at New Business in UFN:

How to Add WoS for AI at New Business in UFN:

How to WoS for AI ART policy will appear on DEC

Waiver of Subrogation (WoS) for BOP policies

• The form is different for BOP accounts.
• The AAIS form – BP 0731 (01 04) is used.
• Entry for this is the same as the ART.
• No cost for this, but UW will require when adding it is an acceptable eligible insured.
• Due to being a BOP – there can’t be multiple states, due to contract jurisdictions.

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How to WoS for AI BOP policy will appear on DEC

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Additional

Insured

Additional Insureds for Utica First

• The BOP and ART product offer Additional Insureds.
• These are different due to the product and forms.
• The forms aren’t interchangeable.
• Costs for AI’s will vary by type, product, and State.

Where to find AI’s at New Business Time

Click Additional Insured/Interest > Select the appropriate AI > Complete the adding of information if a new entity

Additional Insureds for Umbrella policies

• We do not add AI’s to the umbrella policies.

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• The Umbrella is form following regardless of Excess or full Umbrella.

Utica First Insurance Company

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Certificates of Insurance (COI)

Utica First Insurance Company – COI’s

• At the current time – Utica First does not process COI’s.

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Utica First Insurance Company

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Requests for special wording on ART & BOP policies

Why is this not allowed at Utica First?

• Utica First is restricted by the current policy forms. We use AAIS forms, and they do not allow for variation.
• When requests are made for COI wording – we don’t issue the COI and can’t approve verbiage for these.
• Underwriting CAN ADVISE on Coverage questions.

Why is this not allowed at Utica First?

• Requests often received to add 30-day NOC wording for COIs – Utica First uses the legal number of days determined by State DOI’s for cancellation & non-payment cancellation.
• We don’t alter the legal number of days.
• Dates are included in the Amendatory Endorsements for each State and Product
• We don’t issue COI’s.

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How to determine if a change has been processed in UFN

Policy Transaction Tab

• This will show the documents associated with any change.
• Filter by Premium/Non-Premium Transaction type.

Policy Transaction Tab

Filter on Transaction Type – Premium/Non Premium > Filter either using Today or Filter with Processed Date

Documents will appear under this tab for the amendment

Policy Tab > Transactions (ALL)

When you click on Premium/Non Premium, you will go to the summary of that change and view what was done under the Old and New.

Policy Tab > Transactions (ALL)

When you click on Premium/Non Premium, you will go to the summary of that change and view what was done under the Old and New.

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Agent Requirements to be kept

Requirements for agents

• Utica First does not require the signed applications to be submitted to Home Office.
• The agency is required to keep signed copies of all applications (ART, BOP, Umbrella) on file and may be required to pull at time of loss or audit.

Utica First Insurance Company

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Ensuring timely processing

Pro-tips to expedite amendment processing with Utica First

• Have complete information including:
• Location Address of the job
• Job description being preformed at the location
• Complete information if adding a building
• Valuation; Coverages; Construction Type;

Pro-tips to expedite amendment processing with Utica First

• Complete information if adding a building
• Age; PC; Occupancy type; Tenants if LRO’s; Sq. Feet; Wiring; Roof updates.
• Make sure only Northeast Agencies is sending request to CL@Uticafirst.com
• UW can’t respond directly to agent, only to Northeast agencies.

Pro-tips to expedite amendment processing with Utica First

• Building valuations are now at 100% RC. ACV valuations are no longer allowed.

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• Current processing time is 7-10 business days; working to improve this.

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Billing Changes or Questions

• Contact Customer Care (1-800-456-4556)
• Select Option 1 or
• Email: CustomerCare@Uticafirst.com
• Payment method & plans viewable on the Policy Summary Page

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Utica First Insurance Company

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Renewals

Renewals

• All Artisan & BOP policies automatically renew 65 days prior to the renewal effective date
• All Umbrellas renew out 45 days prior to the renewal effective date
• If the insured is direct bill – any renewal invoice is generated 21 days prior to renewal, due on the renewal date.

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Contacts for Assistance for Northeast Agencies

Contacts for Help

• The assigned Underwriter is Jeannie Cook. Phone: 1-800-456-4556 ext.3516 Email: jcook@uticafirst.com
• Appetite/Risk discussion; Coverage questions; Underwriting Referrals; Renewals
• Amendments/Changes/LPRs/: email CL@uticafirst.com
• Billing/Payments: Customer Care – 1-800-456-4556 Select Option 1
• System login issues/password resets – Help Desk: 1-800-456-4556 Select Option 4 or email: helpdesk@uticafirst.com
• Quote assistance: Marketing Representative – Catherine Casterline. Phone: 1-614-582-1716 or email ccasterline@uticafirst.com

Utica First Insurance Company

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Frequently Asked Questions?

FAQ’s

• How do I get loss runs – Go to the Analysis Tab, select Loss Run. Make sure to input the policy # without any spaces.
• Can I change a pay plan, once bound? No – contact Customer Care or the insured can register their policy & complete on-line.

Thank-You for your time

Feel free to contact me:

Catherine Casterline

ccasterline@uticafirst.com