Terms and Conditions of Use
This Web Site is owned and operated by Utica First Insurance Company. This document contains the Terms and Conditions relating to your use of the Utica First Insurance web site (www.uticafirst.com) and the agency web portal 'Agent Portal'. These Terms and Conditions are applicable to your use of this site regardless of how you accessed it. Use of the content, services, and/or products presented in any and all areas of this site constitutes your agreement to abide by the terms and conditions. If you do not wish to be bound by these Terms and Conditions, please contact Utica First and discontinue using/accessing this site immediately.
Security - ID's and Passwords
Access to this site is restricted and requires authorization by Utica First for access. Unauthorized use of or access to this web site is prohibited. Actual or attempted unauthorized use of or access may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user, do not attempt to access such areas.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Employees of Utica First will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Utica First.
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.
E-Mail to Utica First
The Utica First e-mail system is a private e-mail system intended only for business purposes authorized by Utica First. You are not authorized to send unsolicited commercial e-mail messages to any e-mail addresses at @uticafirst.com or to use the company e-mail directory for other than the use of communicating with Utica First for business purposes. Utica First reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.
Utica First's Intellectual Property Rights
The Utica First logo, the terms “Utica First”, “Utica First Insurance”, “Utica First Insurance Company”, “uticafirst.com”, as well as all logos and artwork using the Utica First name are the intellectual property of and/or registered trademarks owned by the Utica First Insurance Company. Utica First may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site are the property of Utica First and are protected by copyright or other intellectual property laws.
Utica First reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorized to use any portion of this site or any other Utica First intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.
Links to other sites
For your convenience, Utica First may provide links to other Internet sites that Utica First does not maintain. Do not interpret any link to/from other sites as indication that Utica First sponsors or endorses the sites or their materials or that the sites are affiliated with Utica First in any manner. Utica First is not responsible for content of such sites and makes no warranties or representations about the contents, products or services offered on such sites. If you are interested in licensing content, or providing links from other web sites, please contact us at email@example.com.
Products and Services
Utica First does business in certain states in the United States of America. Home offices are located in Oriskany, New York.
Not all of the products or services described on this site are available in all states. You may not be eligible for all products and services and Utica First reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.
Disclaimer of Warranties
Any information, services, materials, software or other items on this site are provided “as is” without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Utica First does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software or other items remains entirely with you. Under no circumstances will Utica First be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software or other items.
As a condition of use of this Web site, the authorized user agrees to indemnify Utica First Insurance from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from the authorized user's use of this Web site. If you are dissatisfied with any Utica First information presented, or with any of these terms and conditions, your sole and exclusive remedy is to discontinue using the Utica First Insurance Web site.
Insurance Rating, Quotes, Policy Coverage's and Claims
At this time, on-line quotes may not be available for all states, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by Utica First, please contact a Utica First agent.
All quotes, policy, claim and billing information generated by this site is an estimate based upon the information you provided or a representation of information that has been transmitted to the web site from our back end systems. This information is not a contract, binder, or agreement to extend insurance coverage. Any coverage information or descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to a Utica First agent. All applications are subject to underwriting approval. Coverages and availability may vary by state; and additional minimum coverage limits may be available in your state. For additional information, please contact a Utica First agent.
The content of this site and of these “Terms and Conditions” are subject to change without prior notice. These “Terms and Conditions” shall be governed by and interpreted according to the laws of the State of New York without respect to any conflict of laws provisions. If any portion of these “Terms and Conditions” is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision. These “Terms and Conditions” apply to your use of this site and do not change or alter any other contract or agreement between you and Utica First.
Utica First Insurance shall have the right, at its discretion, to change, modify, add or remove terms of this agreement at any time without notice. Changes shall be effective immediately. You agree to review this agreement periodically since subsequent use by you of this site shall constitute your acceptance of any changes. Utica First Insurance shall have the right at any time to change or discontinue any aspect of the web site, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications or deletions.
Please Contact Us for additional information.
The achievement of an acceptable balance of surplus to writings will be one major benchmark that will control our expenses and product decisions.