Since our founding, as an insurer our mission has been to provide financial security through sound insurance protection, coupled with unexcelled service, to our policyholders.

We strive to fulfill our mission every day we do business, in every transaction through a commitment to professionalism, integrity, and ethical conduct.

We recognize that providing high-quality insurance products and prompt, consistent, cooperative, and courteous service acts for the mutual benefit of our policyholders, agents, ourselves, and the community in which we live and conduct business.
 

Our History:

Our first policy of insurance was written April 1, 1925.  Our name back then was New York Cooperative Underwriters, the Combination Policy Facility comprised entirely of companies having membership in the Cooperative Fire Underwriters Association of New York State, which was organized in 1898.  Throughout its longevity, as many as 22 companies participated in the Combination Policy.

The Combination Policy Facility was designed for the purpose of being of benefit to the insuring public, agents, and the Member Companies.  In the early 1900’s, the State imposed limitations on the amount of insurance that one insurance company could provide on any one risk.  New York Cooperative Underwriters could issue policies with amounts of coverage larger than any one Member could write, in which the Members would share premiums, losses, and expenses.  This was a great benefit to policyholders, agents, and the Member Companies themselves.

In 1942, the Cooperative Fire Underwriters Association of New York State received approval from the New York State Insurance Department to issue a Combination Policy under the name “New York Mutual Underwriters.”  Over the years, several of the original Member Companies merged with each other or withdrew from the Combination Policy Facility.  New York Mutual Underwriters is at this time composed of two Member Companies, both of whom are descendants of original Members, Security Mutual Insurance Company, Ithaca, New York, and Sterling Insurance Company, Cobleskill, New York.