Business Details
We have been providing insurance solutions since our founding in 1875. We celebrated our 150th anniversary in 2025, marking a century and a half of trusted service. We protect more than 109,000 policyholders with a full range of personal, farm, and business coverage. We maintain an A (Excellent) financial rating from A.M. Best, demonstrating our strong fiscal stability. We operate through a network of over 350 independent agents across Upstate New York, ensuring local expertise. We specialize in tailoring policies for homeowners, farmers, and commercial enterprises.
We employ rigorous underwriting standards and innovative products to meet evolving risk profiles. We handle claims with fairness, promptness, and courtesy, aiming for swift resolution. We offer convenient payment options, including AutoPay and electronic billing, to enhance client convenience. We are committed to transparency and continuous improvement, guided by our mission to build on the strength of our past. We welcome the opportunity to serve new and existing customers with professionalism and dedication.
We employ rigorous underwriting standards and innovative products to meet evolving risk profiles. We handle claims with fairness, promptness, and courtesy, aiming for swift resolution. We offer convenient payment options, including AutoPay and electronic billing, to enhance client convenience. We are committed to transparency and continuous improvement, guided by our mission to build on the strength of our past. We welcome the opportunity to serve new and existing customers with professionalism and dedication.
Highlights and features
- We have 150 years of insurance experience.
- Our ABest rating confirms excellent financial strength.
- We serve 109,000 policyholders across Upstate New York.
- Our network includes over 350 independent agents locally.
- We provide fair, prompt, courteous claim handling.
Services
Homeowner
Our Homeowner insurance protects families against property damage, liability, and personal loss. It is designed for homeowners throughout Upstate New York who seek comprehensive coverage for their residences and belongings. Clients benefit from competitive premiums, ABest financial backing, and swift claim resolution.
Business Owner
Our Business Owner policy safeguards companies from property, liability, and operational risks. It targets small to midsize enterprises in Upstate New York that require reliable protection for assets, employees, and revenue streams. Policyholders receive tailored coverage options, strong financial security, and dedicated claims assistance.
Farm Owner
Our Farm Owner insurance covers agricultural properties, equipment, and livestock against loss or damage. It is intended for family farms and agribusinesses throughout Upstate New York seeking specialized risk management. Farmers gain peace of mind through comprehensive protection, ABest rated backing, and responsive claim service.
Cyber Liability
Our Cyber Liability coverage protects businesses from data breaches, cyber attacks, and related expenses. It serves technologydependent companies and any organization in Upstate New York that handles sensitive information. Clients benefit from expert risk assessment, financial indemnity, and rapid incident response support.
Umbrella
Our Umbrella policy extends liability limits beyond underlying policies for added protection. It is offered through our affiliate Cherry Valley Cooperative Insurance Company to individuals and businesses in Upstate New York seeking excess coverage. Policyholders enjoy enhanced security, seamless integration, and the same ABest financial strength backing.
