In 1914, John Train became Utica Mutual's general manager, states Utica National Insurance Group. Within the following 10 years, Utica Mutual granted its first policy to Adirondack Maple Company, soon followed by Bausch & Lomb Optical Company, Bristol-Meyers and Beech-Nut Packing Company. Initially providing property damage, liability, theft and collision insurance for automobiles, the company's name changed to Utica Mutual Insurance Company in 1919.
In 1921, Utica developed its own hospital segment to help ill and injured workers return to work, explains Utica National Insurance Group. With 200 employees in 1929, the company had assets worth $6.2 million. As 1930 came to an end, Utica offered insurance for public liability and damage, worker's compensation, accident and health, collision, and airplane property damage.
Utica Mutual's assets almost doubled during the 1940s, with a policyholders' surplus of nearly $6.6 million, Utica National Insurance Group notes. After John Train died in 1958, Joseph Craugh became president of Utica. By 1961, over 1,000 independent insurance agents worked for the organization, and it became the first mutual company to participate in the Insurance Information Institute in 1969. The Utica National Insurance Group formed in 1971.
With record-breakingly stiff competition in 1980 through 1984, Utica posted a loss of $13.6 million, as the company describes. By 2004, it posted its strongest year-end results in at least a quarter century.