Business Details
Your Trusted Local Insurance Partner in Upstate NY
Washington County Cooperative Insurance Company has served the Eastern Upstate New York region since 1858, providing tailored insurance solutions for homes, farms, mobile homes, and businesses. As a policyholder-owned cooperative, we prioritize local expertise and personalized service, with a governance structure led by policyholders and a dedicated staff of five professionals. Our focus on understanding the unique needs of our community has allowed us to merge with multiple local insurance entities over decades, expanding our reach to 17 counties while maintaining our commitment to superior customer service.We specialize in crafting customized policies that address specific property requirements, offering coverage options for both owners and tenants across residential and commercial sectors. Our team combines deep industry knowledge with firsthand local experience to protect the investments our clients have worked hard to build.
Services
Homeowners Insurance
Farm Insurance
Mobile Home Insurance
Inland Marine Insurance
Business Insurance
Highlights and features
- We are policyholder-owned and locally governed
- Specialize in customized coverage for 17-county region
- Combine 165+ years of history with modern insurance solutions
- Offer tailored policies for unique property requirements
- Provide personalized service from local insurance experts
Services
Homeowners Insurance
Customized coverage for 1-2 family homes including structure, personal property, and liability protection. Available with additional living expense coverage and tailored options for specific property needs. Tenant policies also available for personal property and liability protection.
Farm Insurance
Comprehensive protection for farm properties including dwellings, buildings, equipment, and liability coverage. Offers specialized options for both owner-operators and tenant farmers with add-on Inland Marine coverage for farm machinery and livestock.
Mobile Home Insurance
Tailored policies for mobile home owners covering structure, personal property, and liability. Provides customizable options for both owners and tenants with additional living expense protection and garage coverage.
Inland Marine Insurance
Coverage for movable or specialized property including farm equipment, solar panels, and valuable items. Available as an add-on to existing policies for enhanced protection of high-value assets and business equipment.
Business Insurance
Custom business protection plans covering buildings, equipment, and liability. Offers standard and deluxe policy options with add-on coverage for leased properties and specialized business equipment through Inland Marine endorsements.
People
James Reeve
President
James Reeve leads our policyholder-elected board of directors, bringing decades of local insurance expertise and community insight to guide our cooperative's strategic direction while maintaining our founding principles.
Scott MacNeil
Manager & Executive Vice President
Scott MacNeil oversees daily operations with 25+ years of experience in cooperative insurance, ensuring our team delivers personalized service while maintaining financial stability and regulatory compliance.
Questions
What areas do you serve?
We provide insurance coverage across 17 Eastern Upstate New York counties including Albany, Saratoga, Washington, and Warren counties.
What types of insurance do you offer?
We specialize in homeowners, farm, mobile home, business, and Inland Marine insurance with customizable coverage options for each policy type.
Are you locally owned?
Yes, we're a policyholder-owned cooperative governed by a board of directors who are also our policyholders.
Can tenants get coverage?
Yes, we offer tenant-specific policies for both residential and business properties covering personal property and liability.
How do I file a claim?
Contact our Greenwich office at 518-692-2881 during business hours or visit our website to initiate the claims process with our team.
What makes you different from other insurers?
As a local cooperative with 165+ years of history, we combine deep community knowledge with personalized service from staff who understand Upstate New York's unique insurance needs.
