We
are a non-assessable mutual insurance company serving the American Agency
System.
We
believe this is the best way to provide the insurance consumer with the right
products, prices and service.
We
are members of both the Underwriting Rating Board (http://www.urbratingboard.com/) and ISO. They provide us with
advisory rates, rules and forms. We make the final determination as to how they
will be applied for personal lines and commercial auto.
We
do business only in New York State.
