Business Details
50+ Years
experience
Your Trusted Independent Insurance Agency in Liverpool, NY
Reid & Zutant has served Central New York for over 75 years, combining decades of industry expertise with personalized service rooted in the Golden Rule. Our team prioritizes treating clients as friends, ensuring transparent communication and honest efforts to meet individual and business insurance needs. As an independent agency, we represent multiple leading insurers, including Travelers, Kemper, and Progressive, enabling us to offer competitive rates and tailored coverage options.Our specialization in Workers Compensation, particularly for auto repair garages, reflects our deep understanding of niche market requirements. We pride ourselves on continuous market monitoring to secure the best possible rates while maintaining a commitment to long-term client relationships built on trust and reliability.
Services
Auto Insurance
Homeowners Insurance
Motorcycle Insurance
Watercraft Insurance
Business Insurance
Workers Compensation
RV & Camper Insurance
Flood Insurance
Details
- Year established: 1948
Highlights and features
- We offer 75+ years of local insurance expertise and personalized service.
- We represent multiple leading insurers to ensure competitive rates and coverage options.
- We specialize in Workers Compensation for auto repair garages and similar industries.
- Our team provides transparent communication and honest policy recommendations.
- We deliver fast free quotes with a personal touch for all insurance needs.
Services
Auto Insurance
Our auto insurance policies provide comprehensive protection tailored to individual driving needs. We offer liability, collision, and uninsured motorist coverage options with flexible deductibles. Our team works with multiple insurers to ensure competitive rates while maintaining personalized service for policyholders in Central New York.
Workers Compensation
Specialized Workers Compensation coverage protects businesses against job-related injuries and illnesses. We focus on accurate employee classification, payroll verification, and experience modification management. Our expertise ensures compliance with New York State regulations while securing cost-effective solutions for auto repair garages and similar industries.
Homeowners Insurance
Customizable homeowners insurance policies safeguard properties against common risks like fire, theft, and weather damage. We provide dwelling coverage, personal property protection, and liability insurance tailored to local conditions. Our independent agency status allows comparison shopping across multiple carriers for optimal coverage and pricing.
Flood Insurance
Flood insurance policies address gaps in standard homeowners coverage for water-related risks. We offer physical damage and liability protection for residential properties, particularly addressing lender requirements in flood-prone areas. Our team provides premium cost assessments based on specific property addresses in Central New York.
Business Insurance
Comprehensive business insurance solutions protect commercial operations from industry-specific risks. We offer general liability, property coverage, and specialized policies tailored to small and mid-sized enterprises. Our multi-carrier approach ensures customized protection plans that align with unique business requirements and budget constraints.
People
Rich Kudlick
President
Rich Kudlick, CPCU, leads Reid & Zutant with over 30 years of insurance expertise. He focuses on maintaining the agency's founding principles of integrity and personalized service while implementing modern risk management strategies for commercial clients.
Lynn Hutton
Agent
Lynn Hutton provides dedicated insurance solutions with a focus on client education and policy customization. Her approach emphasizes clear communication and thorough coverage analysis to ensure clients understand their protection options and make informed decisions.
Questions
What types of insurance do you offer?
We provide auto, home, motorcycle, watercraft, business, workers compensation, RV/camper, and flood insurance solutions tailored to personal and commercial needs in Central New York.
How can you help me save money on insurance?
As an independent agency, we compare rates across multiple insurers to find competitive pricing. Our local expertise identifies coverage gaps and ensures appropriate protection levels to avoid overpaying for unnecessary features.
Do you specialize in any specific insurance areas?
We specialize in Workers Compensation insurance, particularly for auto repair garages, and flood insurance assessments. Our team maintains deep expertise in commercial risk management and niche market requirements.
How quickly can I get a quote?
Requesting a quote takes minutes through our website or phone line. We guarantee a response within 24 hours, with many clients receiving personalized quotes faster during regular business hours.
Are you affiliated with specific insurance companies?
We partner with multiple leading insurers including Travelers, Kemper, Progressive, and Employers. This independence allows us to select optimal coverage options rather than promoting a single carrier's products.
