Business Details
Emergency
services
Your Trusted New York Insurance Partner Since 1887
Security Mutual Insurance has been dedicated to providing quality insurance products and exceptional customer service since 1887. With over 135 years of experience serving New York communities, our company combines deep industry expertise with a personalized approach to meet the evolving needs of policyholders. Our team of professionals works through a network of 400+ independent agents to deliver tailored property and casualty insurance solutions for homes and businesses.We maintain a strong financial foundation with $154 million in assets and $91 million in policyholder surplus, ensuring long-term reliability. Our commitment extends beyond insurance through active community involvement, supporting over 150 volunteer fire departments and numerous local charities. We operate with integrity and professionalism, continuously adapting our offerings to address modern risks while maintaining the trust built over more than a century in business.
Services
Business Owners Policy
Personal Umbrella
Landlord Package
Commercial Fire
Special Multi-Peril
Artisan Pak
Dwelling Fire
Manufactured Homeowners
ULTRA Homeowners
Highlights and features
- Over 135 years of experience serving New York communities
- Network of 400+ independent insurance agents statewide
- Customized coverage for hard-to-place personal and commercial risks
- Financial strength with $154 million in assets and $91 million policyholder surplus
- Active community involvement supporting local fire departments and charities
What people say
Professional and courteous
Saved me money
There for you
Affordable
Very grateful
Services
Business Owners Policy
Security Mutual's Business Owners Policy combines building, business property, and liability coverage into one comprehensive solution. This customizable policy addresses diverse commercial needs, protecting against property damage, business interruption, and liability claims. With options for specialized industries and access to risk management resources, it helps businesses in New York maintain operational continuity while meeting legal requirements and safeguarding assets.
Personal Umbrella
The Personal Umbrella Policy provides excess liability protection beyond standard homeowners or auto insurance limits. This critical coverage activates when underlying policy limits are exhausted, offering financial protection against lawsuits and major liability claims. Particularly valuable in New York's litigation-prone environment, it safeguards personal assets and provides peace of mind for policyholders facing potential legal exposure.
Landlord Package
Designed specifically for property owners with tenant-occupied buildings, this package covers up to four living units with comprehensive protection. It addresses unique landlord risks including property damage, liability claims from tenant injuries, and loss of rental income. The policy includes tailored coverages for structural elements, personal property used in rental operations, and legal liability protection specific to landlord-tenant relationships.
Commercial Fire
This specialized coverage protects commercial properties against fire-related damages when standard business owners policies aren't available. It addresses unique fire risks for various business types and property classifications, including older buildings or high-risk operations. The policy provides essential protection for business property, equipment, and inventory while meeting specific underwriting requirements for challenging risk profiles.
Artisan Pak
The Artisan Pak Program offers comprehensive coverage for select contractor classifications, combining property, liability, and inland marine protections. This specialized package addresses the unique risks faced by tradespeople and skilled professionals, covering tools, equipment, and on-site operations. It includes liability protection for work-related accidents and property damage, supporting artisans in maintaining business continuity while meeting industry-specific insurance requirements.
Questions
What types of insurance coverage do you offer?
We provide personal and commercial property-casualty insurance including homeowners, commercial fire, business owners policies, personal umbrella, landlord packages, and specialized programs for unique risks across New York State.
What is a Personal Umbrella Policy?
Our Personal Umbrella Policy provides excess liability coverage that activates when underlying policy limits are exhausted, offering critical protection against major lawsuits and liability claims in New York.
Do you offer landlord insurance?
Yes, our Landlord Package provides coverage for rental properties with up to four living units, including protection for structural elements, liability, and loss of rental income.
What commercial insurance options are available?
We offer Business Owners Policies, Commercial Fire coverage, Special Multi-Peril policies, and the Artisan Pak Program with customizable options for businesses that don't qualify for standard packages.
Do you support community initiatives?
We actively support over 150 volunteer fire departments and numerous local charities including the American Red Cross, Habitat for Humanity, and community foundations across New York State.
