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Why Buy Renters Insurance?

Oct 15, 2020

Your landlord’s property insurance won’t help you if disaster strikes. It covers the structure, but not any of your things. Renters insurance covers your belongings from all the possible bad events listed in the policy, such as fire, smoke, water damage, windstorms, lightning, theft, and vandalism. Even if you don’t think your stuff is worth that much, renters insurance is a good idea. The cost of replacing just a basic wardrobe and only a few pieces of furniture adds up quickly. Plus, renters insurance covers more than your personal belongings at home. Purchase enough insurance to replace all of your belongings, and choose a liability limit high enough to protect any savings and property you could lose if you were sued.


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Market Value vs. Replacement Cost

Nov 6, 2020

One of the biggest misconceptions is that market value and replacement cost is the same. They are not the same and are estimated using different criteria & approaches to property valuation.


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Hurricane season is upon us. Do you have the right coverage?

Sep 16, 2020

Hurricane season is upon us. Do you have the right coverage? Hurricane season is in full swing, and 2020 projected to be a very active year. Most of you remember Hurricane Irene in 2011, the storm that devastated many parts of upstate New York. Most home and business owners would have never recovered if not for state or federal aid.


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SWUS Quarterly Newsletter | Summer 2020

Jul 1, 2020

I hope you are well and safe. The past three months have certainly been unique in our personal and business lives. By the time you read this, the Empire State should be well on its way to re-opening for business, according to the NY Forward Plan. So many things have changed. Some of those changes…


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Special Announcement | A Job Well Done and New Beginnings

Jun 2, 2020

Any job well done is more than just a paycheck. In our industry, a job well done is exemplified by taking care of your customers, policyholders, staff, and of course, family, all while being available whenever and wherever those people need help; this is our business. We restore people’s lives and help them when they often need…


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Billing & Payment Updates

May 21, 2020

Billing Addresses by Company : Claverack: Insurance Policies 104A Bracken Road Montgomery, NY 12549 Mid-Hudson: Insurance Policies 104 Bracken Road Montgomery, NY 12549 Midrox: Insurance Policies PO Box 218 Roxbury, NY 12474 Payment & Fees Minium downpayment of 25% of premium, fire fee in full and installment fee for all Installment plans *Fire fee, if…


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Agents: Request for Information

Apr 29, 2020

With all the rapid & recent changes, the need for timely communication is critical. Over the past several weeks, we have seen many changes take place within our appointed agencies. We are reaching out to collect each agency’s up-to-date contact information. While we realize this may seem redundant, we want to ensure all our systems…


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DFS Approved Rate Changes – Personal Lines

Apr 22, 2020

Our rate changes are for Mid-Hudson Co-Operative Ins Co. (only)for New & Renewal Business effective 5/1/20 : Homeowners & Seasonal HO +3% on base rates only Landlord Packages: +2.5% on Base Rates only Manufactured/Mobile Homeowners: +5% on Base Rates only Moderate rate increases are statewide based on actual loss history results and trends. It is our desire to continue…


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Relationships, Retention, and Profit

Apr 17, 2020

Last week we talked about how to provide great customer service during a crisis. One of the seven points we listed was to Continue to Focus on the Customers You Already Have . Of course, that makes sense on several levels. Let’s look a little deeper. Customers have many options when it comes to meeting…


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SWUS Quarterly Newsletter | Spring 2020

Apr 15, 2020

It’s a new year with new opportunities, and we are looking forward to what else 2020 has in store. Living and working in the property and casualty insurance industry in New York State can prove to be challenging during the winter months. The annual ritual is that we, like many companies, tend to lose money…


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How to Provide Great Customer Service During a Crisis

Apr 14, 2020

We are in a service business, and communication is always vital. During the current COVID-19 crisis, communication is critical for retaining the trust, loyalty, and business of your customers. In so many ways over the years, the insurance industry has responded well in times of crisis. We do our best to reassure and restore people’s…


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COVID-19 Economic Hardship

Mar 30, 2020

Effective: March 30, 2020 To All Policyholders of Mid-Hudson Co-Operative Insurance Company, Claverack Cooperative Insurance Company and Midrox Insurance Company on behalf of Statewide Underwriting Services. The New York State Department of Financial Services (DFS) today adopted an emergency regulation due to COVID-19. If the COVID-19 pandemic has caused economic hardship, please call or email us to…


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POLICYHOLDER NOTIFICATION COVID-19 (Coronavirus)

Mar 30, 2020

This policyholder notification is being sent at the request of the New York Department of Financial Services to all insureds that have a Businessowners’ policy, Special Multi-Peril policy, Commercial Multi-Peril policy or other commercial property insurance to inform you of how COVID-19 (Coronavirus) impacts any business interruption coverage you may have on your policy. Business…


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CE Courses Rescheduled

Mar 1, 2020

In response to the current public health threat related to the COVID-19 pandemic, Statewide Underwriting Services has cancelled previously scheduled Continuing-education courses for April & May 2020. New CE Course dates have been added and registration is available below.* DFS extends continuing-education filing deadline New York State Department of Financial Services’ licensing services is implementing temporary emergency procedures…


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SWUS Quarterly Newsletter | Winter 2019

Feb 15, 2020

I hope you are well and are looking forward to the promises of the new year!As 2019 comes to a rapid close, it’s an ideal time to do some self-assessment in the hopes of uncovering opportunities for personaland professional growth. Here at Statewide Underwriting Services we try to work and live by our core values……


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New York Insurance Co-Ops Announce Corporate Affiliations

Dec 6, 2019

Mid-Hudson Co-Operative Insurance Company, Midrox Insurance Company, and Claverack Cooperative Insurance Company have recently joined forces under a new management company, Statewide Underwriting Services (SWUS). The new affiliation with Statewide allows each of the three companies to offer its agents more choices, greater ease of doing business through operational consolidation, and  most importantly, greater flexibility…


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Combating weather-related hazards

Dec 5, 2019

WINTER IS UPON US, and with the colder weather comes increased risk of loss. Weather-related emergencies can occur at any time. Proper underwriting and communication to your insureds can help to avoid potentially devastating and often tragic losses. After a few years with no major storms or severe winter temperatures, complacency tends to set in,…


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Instant quoting for personal lines business

Dec 3, 2019

BLUE360 has been a successful platform for Mid-Hudson Co-Operative Insurance Company, but its technology needed a refresh. Welcome to BLUE360 2.0! A new view of BLUE360 BLUE360 is Mid-Hudson’s agent portal for quoting personal lines policies. It provides instant quotes for homeowner, landlord, manufactured home, and dwelling fire risks. But the underlying technology was becoming…


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Agency re-contracting

Dec 2, 2019

We are pleased to announce Midrox Insurance Co. has joined Statewide Underwriting Services (SWUS). Statewide is one organization with three underwriting companies: Midrox Insurance Co., Claverack Cooperative, and Mid-Hudson Co-Operative Ins. Co. Whichever company you have represented in the past; you now are an agent appointed with all three companies, with more tools and opportunities…


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Protect Your Home from Winter Damage

Jan 8, 2019

Winter storms and cold waves caused $1.2 billion in insured losses in 2017, according to Insurance Information Inc. Frozen pipes, blackouts, and snow or ice build-up can wreak havoc on your home. Prepare for what could happen before disaster strikes, so you don’t have to worry about reacting to it after. FROZEN PIPES Frozen pipes…


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