Get a Quote

How to Get a Quote?

Choose one of our Rating Programs Below:

Earn 15% Commission!

We are happy to share with you the convenience of online quoting through our site!   This tool quotes United States Liability Insurance (USLI) products. This carrier aspires to be the very best insurance company for underwriting insurance for small businesses along with a select group of specialty products. As a member of the Berkshire Hathaway family of companies, USLI enjoys a A++ rating and supports its products with financial strength and stability.

If your agency is writing Utica First artisan policies through Joseph Krar & Associates, Inc., then you are familiar with their admitted paper, competitive premiums and great service!

  • Please proceed for Connecticut Homeowner Program and Landlord Program with current credentials
  • For Connecticut and Massachusetts Artisan Contractors, and Business Owners Policy Programs, please use your new credentials.  If you do not have new credentials please contact Eva Morel.
  • Or, if you prefer, please send submission to

You have now an exciting opportunity to obtain Utica First quick quote indications. Please contact us to discuss how we can help your hit ratios on the following classes of business.

Please note your agency must be a registered producer with us in order to obtain access.

 Available Products To Quote Online Through Utica First

Artisan Contractors for Connecticut and Massachusetts 

  • Carpentry
  • Masonry
  • Painting
  • Handyman
  • Window & Door Installation
  • Drywall
  • HVAC
  • Electrical
  • And MORE

Business Owners Policies (BOPs) for Connecticut and Massachusetts

  • Apartment / Habitational
  • Food Service / Restaurants, Bars & Taverns
  • Auto Service & Repair Garages
  • Offices PAK
  • Nail & Beauty Salon
  • Numerous Retail and Service Businesses

Personal Products for Connecticut

  • Homeowners
  • Landlord Program
  • Umbrella
  • Condominium
  • Tenants Or Renters

Try using our DUAL Online Rating tool for all your flood insurance needs!

Make your office phone a SMART phone and call today!

With USLI Instant Phone Quote
15 % Commission
  • No Acord Forms Needed
  • A+ Rated Carrier Access
  • Over 80 Products Available
  • Available: Monday-Friday (7am-8pm) & Saturday (9am-1pm)
Call now!

Classes Available For Instant Quoting Below!

Professional/Management Liability

  • Allied Health
  • Community Association Directors & Officers Liability/Crime (Condo or HOA)
  • Employment Practices Liability
  • Insurance Agents Errors & Omissions
  • Medical Providers Employment Practices Protection
  • Non Profit Management Liability (other than Condo or HOA)
  • Property Managers Errors & Omissions
  • Public Officials Liability for Special Service
  • Real Estate Errors & Omissions
  • Specified Professions Errors & Omissions
  • Technology Errors & Omissions

Non Profit

  • Arts and Culture
  • Charities & Business Associations
  • Community Association Package
  • Houses of Worship
  • Social Clubs
  • Social Services (100+ Classes)
  • Sports Advantage
  • Non Profit Excess and Umbrella

Personal lines

  • Rental Dwellings
  • Excess Personal Liability (Excess CPL)
  • Primary Liability (CPL)
  • Excess Umbrella
  • Standalone Umbrella
  • Vacant Dwellings
  • Renters Coverage (HO4)
  • Condominium Unit Owners and Investors (HO6)
  • Businesses out of the Home (140 Classes)


  • Land Leased to Others
  • Lessor’s Risk Only
  • The Office
  • 1-4 Family Dwellings
  • Apartments
  • Residential Condominium Investors
  • Partially Vacant Building
  • Vacant Land
  • Vacant Building

Preferred Package

  • Beauty/Nail Salon/Barber Shop
  • The Office (30+ Classes)
  • Main Street Mercantile (100+ Classes)
  • Home Based Business


  • Artisan/Trade
  • Ground Up Construction Builders’ Risk
  • Contractor’s Equipment
  • Lawn Care
  • Janitorial Services


  • Restaurants / Fast Food
  • Fine Dining
  • Beer/Wine/Liquor Stores
  • Convenience/Deli/Grocery Stores and Wholesale Distributors
  • Social Clubs (Monoline Liquor)
  • Weddings
  • Golf Hole-in-One
  • Annual Host Liquor Liability
  • Special Events


  • Bar/Restaurants
  • Concessionaires, Vendors and Mobile Food/Merchandise Trucks
  • Fitness Centers
  • Inland Marine Select
  • Main Street Mercantile
  • Specialty Educators, Trainers, and Instructors (30+ Classes)
  • Truckers General Liability


  • Commercial Umbrella
  • Excess General Liability
Joseph Krar & Associates, Inc Logo

We also offer quoting through a variety of traditional methods including by phone, fax, or email:

Joseph Krar & Associates, Inc.

Direct (860) 628-3967 | Fax (860) 628-3969 | Toll Free (800) 886-5050 | P. O. Box 580, 1676 West St. Southington, CT 06489

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