Utica First’s Office PAK Coverage:
As your partner in delivering high-quality coverage, Utica First makes insuring office risks easier and more robust. We empower agents and brokers like you by offering a unique Office PAK program, building in free EPLI, Data Compromise, and Identity Theft for owners’ coverage—giving you the competitive edge. At UFIC, we listen to your feedback and understand the challenges you face, ensuring that you’re equipped to offer your customers unbeatable value.Here’s what we're looking for: Clean, Well-Maintained, Year-Round Restaurant Types
- Doctor’s Offices or Dentist Offices
- Accounting Offices
- Travel Agencies
- Therapists
- Mortgage Brokers
- Social Services-type offices
- Real Estate Offices
- Others available—call us to discuss
Risks outside the scope of our program:
- Attorneys (although they can be written on “standard” BOP, call underwriter)
- Offices with more than 50 staff
- Educational Facilities
- Governmental Offices and Departments
- Collection Agencies
Quoting Tips:
- To include the FREE coverages, make sure to select the Office PAK Endorsement from the Extended Coverage Screen.
- Contact your underwriter to discuss any risk with significant product exposures, or more than two losses over $20,000 in the last three years.
Discuss with your insured:
- Employment Practices Liability Coverage (EPLI): FREE $100,000 of protection from claims brought by employees for discrimination, sexual harassment, or wrongful termination, including defense costs(within limits).
- Data Compromise Coverage: FREE $25,000 for expense reimbursement due to misuse or loss of company financial or personal records.
- Identity Theft for Office Owner: FREE coverage, up to $15,000, for fraudulent use of owner’s financial or personal records.
Other Optional Coverages
- Systems Breakdown: Every Utica First Office Pak is automatically quoted with our Systems Breakdown Endorsement, which includes coverage for Mechanical Breakdown, Breakdown of Boilers, and even $5,000 of Theft Coverage for Computers and Software. The endorsement is optional.
- Cyber Liability: Our optional $100,000 Cyber Liability Endorsement is quoted with every policy. See more details in this Sales Guide.
- Many Office Pak and other BOP classes are also eligible for Miscellaneous Professional Liability (MPL). See the MPL section of this Sales Guide or contact your underwriter for more details.
Add the Utica First Maximizer Endorsement for an Even Greater Value! It Includes:
| Fire Legal Liability | $100,000 | Credit Card Receipts | $5,000 |
| Loss of Income | $100,000 | Business Property of Others | $2,000 |
| Accounts Receivable | $25,000 | Credit Card Forgery | $2,000 |
| Valuable Papers | $25,000 | Trees, Shrubs, Plants | $2,000 |
| Employee Dishonesty | $5,000 | Additional Expense | $2,000 |
| Refrigerated Food Products | $5,000 | Exterior Signs | $2,000 |
| Additional Debris Removal | $5,000 | Signs Off Premises | $2,000 |
| Money and Securities | $5,000 | Property in Transit | $2,000 |
| BPP at new locations | $5,000 | Fire Protective Device Recharge | $1,000 |
| Demolition Coverage | $5,000 | Glass Coverage Redefined | $1,000 |
| Utility Interruption | $5,000 | Lock Replacement | $500 |
