About Eastern Mutual Insurance Company

Eastern Mutual is dedicated to providing top quality insurance programs that meet the financial needs of our policyholders and to delivering those programs via independent agents in a manner that exceeds our policyholders’ expectations.

Eastern Mutual is committed to delivering our products through a network of local, independent agencies. In a business dominated by technology, we believe the personal touch is important. We believe that a local insurance professional is best qualified to assist you in establishing a quality insurance program that is cost effective. Every staff member at Eastern Mutual strives to service each of our policyholders as they would want to be treated in a similar situation.

We strive to exceed our policyholders’ expectations daily. This is our greatest challenge and our greatest opportunity.  Our underwriters are trained to design innovative coverage solutions for each unique exposure presented to them.  They are insurance professionals you can talk to, who will listen to your needs and respond to your inquiries promptly.  Long-term relationships with our policyholders is our goal.

Our motto is “Do what is right.”  It has served us well throughout our more than 160-year history and we will continue to live by it in the new millennium.


Eastern Mutual provides cost effective, innovative insurance solutions for individuals and small businesses in upstate eastern New York through a group of professional independent agents. Customized programs are available for restaurants, beauticians, home-based businesses, hobby type farming operations, equine farms and seasonal residences, to name a few.

Over fifty percent of our 6,700 policyholders purchase personal lines insurance for their homes, mobile homes, hobby farms and home-based businesses. Coverage is provided for both primary and secondary residences. About 3,300 policyholders secure coverage for commercial exposures on our Businessowner policy, Special Multi-Peril policy, Farmowner policy, or Landlord policy. Since there is a wide variety of commercial exposures, each submission receives the individual attention of our underwriting staff.

Coverage for the small business owner is one of our specialties. Individually customized programs for family restaurants, beauty shops, barber shops, office buildings, museums, cemeteries, convenience stores, as well as a wide variety of retail and service establishments are available.

Eastern Mutual has a customized, competitively priced program for “gentlemen” or hobby farmers. We also offer insurance protection under our Farmowner policy for the dairy farmer, beef farmer, the vegetable or crop farmer with an option to cover farmers markets and roadside stands, as well as some unique farm exposures such as deer, elk, llama, and emu farms.
Eastern Mutual has expanded its Inland Marine products to include unique exposures such as antique tractors, fine arts, antiques, collectibles, livestock and farm machinery.

Our staff continually seeks opportunities to customize coverages to meet the individual needs of our clients.

Claims Service

You can count on Eastern Mutual to provide old fashioned service when you need it most. For more than 160 years we have done just that. Our in-house staff and our team of strategically placed independent adjusters provide prompt, fair and efficient claims service with a personal touch. We understand that any claim is a traumatic experience which demands the personal attention of our staff. We are prepared to respond to your claim in a kind, compassionate, and understanding manner whenever it may occur.