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Holiday Hours | Independence Day 2021

Jul 1, 2021

In honor and celebration of Independence Day, please note our holiday hours: Friday, July 2, 2021 – CLOSED Monday, July 5, 2021 – CLOSED **Please note that you can always report a claim by calling our 24-Hour claim phone # 800-721-5001 x2. Thank you for your business.  Be Well & Be Safe this Holiday Weekend!…


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Commercial Lines Rate Changes

Apr 30, 2021

Statewide Underwriting Services is implementing important changes to our Mid-Hudson Co-Operative Insurance Co. for BOP & SMP lines of business (and) Claverack Cooperative Insurance Co. for BOP lines of business.


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How to Protect Your Sewer and Plumbing Systems during COVID 19

Mar 18, 2021

As public health officials urge everyone to help stave off the coronavirus by cleaning surfaces with disinfecting wipes, water officials have seen an increase in the number of people flushing wipes, paper towels, and facial tissue down the toilet. With all the excess, plumbing pipes, sewer systems, and wastewater treatment plants are being overwhelmed. It is causing additional problems for homeowners, renters, businesses, other government and private entities, and the environment.


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Personal Lines Credits | Now Available

Mar 18, 2021

We have some exciting developments in our Personal Lines department. Effective immediately, we will be implementing the following credits when applicable for all eligible new business and renewals. Available Personal Lines Credits: All companies – 5% loss-free credit on all personal lines business, excluding Mobile Home. **Eligible with 3-year loss runs at Underwriter discretion. Claverack-Dwelling…


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Advantages of Assessing your Risks for Slips, Trips, and Falls

Mar 4, 2021

Slips, trips, and falls are among the most significant workers’ compensation and general liability exposures. Two of the most common causes for slips and falls are slippery and uneven walking surfaces. It is essential to take the time to evaluate every area of your facility and find where these risks could arise, specifically high-traffic areas.


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The Hard Market Cycle Change: A Primer On What It Is & What To Do About It

Feb 18, 2021

Many factors and variables are driving the change in cycles. They include Available investment capital, investment returns, cash flow, claim losses- especially large CAT events, claim costs, underwriting standards, and most certainly reinsurance cost and availability. When several of these factors begin to align together, they trigger a change in the cycle. Over the past several months, we have started to see the cycle change to a hard market for property and casualty business lines. Every insurance company is having negotiations with their reinsurers and pricing is increasing like many other
product insurances that are subject to supply and demand. The cost is then passed on to the retail consumer, our policyholder.


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Working from Home: Legal and Insurance Considerations

Feb 15, 2021

The historic pandemic of 2020 brought about a significant and abrupt change in how people work and conduct business. Working from home suddenly became the new normal for millions, impacting their insurance and legal exposures. Helping clients understand the implications of working from home, both as an employer and an employee, is another value-added service of the professional insurance agent…


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Online Sales, Sales Taxes during COVID and Beyond

Jan 14, 2021

f your small business customers are new to e-sales, they need to know a few things to avoid a sales tax trap. Here are some ways you can help them…


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Frozen Pipes, Don’t Leave Yourself Exposed This Winter

Dec 10, 2020

Frozen pipes continue to be one of the most prevalent issues for Insured’s and Insurers alike during the winter and early spring months. Do not leave yourself exposed to the costly repairs and damage that could result from a burst pipe. Many people tend to overlook the damage that a winter cold spell or storm can cause.


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SWUS Quarterly Newsletter | Fall 2020

Dec 9, 2020

First, I hope you, your family, and your staff are safe and doing well both physically and mentally. We all have come to realize that managing our personal and business lives through COVID-19 is a multi-faceted challenge, and we accept that changes can and will occur daily. Indeed, this experience is proving to be a…


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How to Avoid Home Insurance Claims

Dec 3, 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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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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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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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 104B Bracken Road Montgomery, NY 12549 Payment & Fees             Minimum downpayment of 25% of the premium, fire fee in full, and installment fee…


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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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