Utica National Insurance Group has proudly called New York home for more than a century. We’re there for our customers when they need us most — helping them weather challenges, recover from setbacks and rebuild stronger. We serve businesses that power local economies and families who invest their savings here. We’re proud of that legacy, but we can’t sustain it alone. State lawmakers can make a difference by crafting smart policies that keep New York competitive and affordable for future generations.

It’s no secret that consumers and businesses across New York face serious economic headwinds. High operating costs, heavy regulation and rising cost-of-living expenses squeeze family budgets and put pressure on employers at every level.

The state’s uniquely aggressive liability environment often flies under the radar, but it plays a major role in the affordability crisis confronting New Yorkers.

Businesses and families are working hard, paying their bills, investing in their futures, yet they’re burdened by a litigation system that too often benefits law firms while the rest of us are left with higher costs. Expansive liability makes life more expensive for everyone — leading to premiums that analysts find are, on average, 15% higher than those in the rest of the country.

The insurance industry is laser focused on access to affordable insurance coverage, but in a state often........

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