Business Details
50+ Years
experience
Your Trusted Insurance Partner Since 1915
Founded in 1915, Co-Operative Insurance Companies has built a century-long legacy of providing reliable insurance solutions tailored to the needs of individuals and businesses. As a member-owned organization, we prioritize the interests of our policyholders, offering comprehensive coverage for homes, farms, commercial properties, and vehicles. Our commitment to personalized service is reflected in our local agent network, which delivers expert guidance and fast claims resolution. Through strategic mergers and modernization efforts, we have evolved into a single, streamlined entity while maintaining our core values of community focus and financial responsibility.Our innovative programs, such as free Ting devices for electrical fire prevention and identity theft protection services, demonstrate our dedication to proactive risk management. With a deep understanding of regional needs in Vermont and New Hampshire, we combine traditional insurance expertise with forward-thinking solutions to protect our members' assets and futures.
Services
Home Insurance
Commercial Insurance
Farm Insurance
Auto Insurance
Umbrella Insurance
Renters Insurance
Business Owner's Insurance
Commercial Auto Insurance
Identity Theft Protection
Equipment Breakdown Coverage
Details
- Year established: 1915
Highlights and features
- We offer over 100 years of insurance experience serving Vermont and New Hampshire
- Our policies include unique benefits like free Ting electrical fire monitoring devices
- Fast and fair claims service with local agent support
- Member-owned structure prioritizes policyholder interests over corporate profits
- Specialized coverage for farms, small businesses, and seasonal properties
What people say
Very professional
Enjoyed working with her
Prompt claims service
Services
Commercial Insurance
Our commercial insurance policies protect businesses against property damage, liability claims, and operational disruptions. Coverage extends to restaurants, retail stores, rental properties, and small contractors. Policies include liability protection, business interruption coverage, and vehicle insurance through our commercial auto program. With competitive rates and flexible payment options, we help businesses manage risks while maintaining financial stability.
Farm Insurance
Specialized farm insurance policies cover diverse agricultural operations including dairy, poultry, and livestock farming. Protection includes property damage, income loss, and equipment breakdowns. We offer flexible deductibles, identity theft recovery services, and tailored coverage for farm vehicles and specialty animals. Our century-long experience ensures comprehensive protection for Vermont's agricultural community.
Home Insurance
Homeowners insurance policies protect primary residences, condos, and seasonal properties with coverage for structural damage, personal belongings, and liability claims. Additional protections include identity theft resolution services and coverage for valuable items like jewelry and antiques. We also offer renters insurance for non-homeowners in Vermont and New Hampshire.
Commercial Auto Insurance
Our commercial auto policies cover business-owned vehicles including trucks, trailers, and passenger vehicles. Protection extends to farm operations, delivery services, and equipment transport. Policies integrate with existing business and farm insurance for comprehensive coverage. We provide competitive rates and payment flexibility while maintaining fast claims service.
Umbrella Insurance
Umbrella insurance provides additional liability coverage beyond standard policy limits. This protection applies to homeowners, farm, commercial, and auto policies. It safeguards against major claims that could exceed primary coverage amounts, offering financial security for personal assets and business operations through supplemental liability protection.
People
Lee Dowgiewicz
President & CEO
Leading Co-Operative Insurance Companies since 2014, Lee Dowgiewicz oversees strategic direction and corporate governance. With extensive insurance industry experience, he has guided the organization through structural modernization while maintaining its member-focused mission.
Tamaron Loger
CFO, VP Finance
Tamaron Loger manages financial operations and strategic planning for Co-Operative Insurance Companies. Her leadership ensures fiscal responsibility and sustainable growth while maintaining competitive pricing and policyholder benefits across Vermont and New Hampshire.
Gina Larrow
Chief Operating Officer
As Chief Operating Officer, Gina Larrow oversees day-to-day operations and implementation of insurance programs. With deep industry expertise, she ensures efficient service delivery and maintains the organization's commitment to member satisfaction and operational excellence.
Dale Groves
Senior VP Underwriting
Dale Groves leads underwriting operations, developing risk assessment strategies that balance affordability with comprehensive protection. His expertise in insurance risk management helps maintain competitive rates while ensuring long-term policyholder security.
Kevin Heffernan
VP Claims & SIU
Kevin Heffernan manages claims operations and special investigations. His focus on fast, fair claims resolution maintains policyholder trust while combating insurance fraud to keep premiums affordable for all Co-Operative Insurance members.
Questions
What types of insurance does Co-Operative Insurance Companies offer?
We provide home, farm, commercial, auto, umbrella, and renters insurance policies tailored to Vermont and New Hampshire residents and businesses.
How can I find a local insurance agent?
Visit our website or contact our office to locate a licensed agent in your Vermont or New Hampshire community for personalized service.
What makes member-owned insurance different?
As a member-owned organization, we prioritize policyholder interests over external shareholders, ensuring decisions focus on long-term member benefits and community needs.
Do you offer discounts on insurance policies?
Yes, we provide various discounts and credits to help make quality insurance coverage more affordable for Vermont and New Hampshire residents.
What loss prevention resources are available?
We offer free safety resources including electrical fire monitoring devices, home safety tips, and farm equipment operation guidelines to help prevent claims.
How do I file an insurance claim?
Contact your local agent or our claims department directly to report incidents and begin the fast, fair claims resolution process.
