Business Details
50+ Years
experience
Your Trusted Insurance Partner in Upstate New York
Hughson & Benson Associates Insurance has served Otsego, Delaware, and Chenango counties since 1933, providing comprehensive insurance solutions tailored to individual and business needs. Our team of experienced professionals prioritizes personalized service, ensuring clients receive optimal coverage at competitive rates. With decades of combined expertise, we specialize in auto, home, life, and commercial insurance, fostering trust through transparent communication and dedicated support. Our commitment to customer satisfaction is reflected in our long-standing relationships with local communities and industry-leading carriers. We simplify the insurance process by offering convenient services, including 24/7 online payments and a New York Defensive Driving Course that reduces insurance premiums.Headquartered in Oneonta, NY, we operate nine offices across Upstate New York, combining local knowledge with nationwide resources. Our agency partners with Eisnor Insurance Agency to expand our reach and capabilities while maintaining a focus on personalized attention. Client testimonials highlight our responsiveness, competitive pricing, and exceptional service quality. We continuously adapt to industry changes while upholding our founding principles of integrity and client advocacy. Whether addressing personal or business insurance needs, our goal remains to protect what matters most to our clients.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Snowmobile/ATV/RV Insurance
Classic & Motorcycle Insurance
Life Insurance
Commercial Auto Policies
Workers Compensation
General Liability
Renters Insurance
Details
- Year established: 1933
Highlights and features
- We've served Upstate New York communities for over 90 years with personalized insurance solutions
- Our team includes specialized agents for auto, home, life, and commercial insurance needs
- We offer 24/7 online payment access for policyholder convenience
- Our New York Defensive Driving Course provides 10% premium reductions for three years
- We partner with 21 top-rated insurance carriers to find optimal coverage options
What people say
Exceptional customer service
Lowest rates
Service and dedication
Great insurance underwriter
Pet friendly
Services
Auto Insurance
Auto insurance protects against financial loss from accidents or theft. Our policies cover vehicle damage, liability for property damage or bodily injury, and medical expenses. We help clients select appropriate coverage levels and deductibles while ensuring compliance with New York State requirements. Our team works with multiple carriers to find competitive rates for standard and specialty vehicles.
Homeowners Insurance
Homeowners insurance covers repair or replacement costs for homes and belongings damaged by covered perils like fire or theft. Policies include liability protection for accidents occurring on your property. We offer customized solutions for primary residences, vacation homes, and rental properties, ensuring adequate coverage for Upstate New York's unique climate and property risks.
Business Insurance
Business insurance protects against losses from property damage, legal liability, and employee-related risks. We provide workers' compensation, general liability, commercial auto, and bond policies tailored to industries ranging from local contractors to large corporations. Our solutions address specific business needs while ensuring compliance with state and federal regulations.
Classic & Motorcycle Insurance
Classic and motorcycle insurance provides specialized coverage for unique vehicles. Our policies recognize the appreciating value of classic cars and offer agreed-value settlements rather than depreciated market values. For motorcycles, we provide coverage options that address the specific risks associated with recreational and commuter vehicles in Upstate New York's varied terrain.
Life Insurance
Life insurance policies protect families financially in the event of unexpected death. We offer term and permanent life insurance solutions that provide income replacement, debt coverage, and inheritance protection. Our agents help clients determine appropriate coverage amounts based on individual circumstances and long-term financial goals.
People
John Ryland
President
John Ryland leads Hughson & Benson Associates Insurance with over 30 years of insurance industry experience. He specializes in commercial risk management and maintains active involvement in local business associations. John prioritizes client relationships and agency growth while upholding our founding principles of integrity and service.
Anita Sprague
Vice President
Anita Sprague oversees personal lines insurance operations with expertise in auto and homeowners policies. She has served the Oneonta community for over 25 years, helping clients navigate insurance needs during life transitions. Anita focuses on simplifying complex insurance concepts for clients while maintaining competitive pricing.
Cecil Davis
Vice President
Cecil Davis manages commercial insurance operations with specialization in construction and service industry risks. He has developed customized insurance programs for Upstate New York businesses for over two decades. Cecil emphasizes proactive risk assessment and claims prevention strategies for business clients.
Brenda Witter
Agency Manager
Brenda Witter coordinates agency operations with 18 years of insurance industry experience. She oversees policy administration and client relations, ensuring smooth service delivery across all office locations. Brenda focuses on maintaining consistent service quality while implementing technological improvements for client convenience.
Michele Secor
Life Insurance Agent
Michele Secor specializes in life insurance and financial planning solutions. With 15 years in the insurance industry, she helps families and business owners create comprehensive protection strategies. Michele provides personalized guidance on policy selection and regularly reviews coverage to match evolving client needs.
Questions
What types of insurance do you offer?
We provide auto, home, life, business, renters, classic car, motorcycle, ATV, and RV insurance policies tailored to Upstate New York residents and businesses.
How can I get an insurance quote?
Request a quote online through our website or contact any of our nine office locations to speak with a local insurance professional about your specific needs.
Do you offer payment plans?
We provide 24/7 online payment access and work with clients to establish payment schedules that accommodate their financial needs.
What is the New York Defensive Driving Course benefit?
Completing our NY Defensive Driving Course provides a 10% insurance premium reduction for three years and temporarily reduces four points from your driving record.
Are you available for emergencies?
While we don't offer 24/7 emergency services, our offices provide claims assistance during regular business hours and can connect you with after-hours support when needed.
Do you serve businesses outside Otsego County?
We serve businesses across Upstate New York, including Chenango, Delaware, and Oneida counties, with specialized coverage for local industries and commercial operations.
