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Phone: 518-477-8182

FAX: 518-477-8192

News, Legislation and Current Events


Wednesday, January 1st
- - New Yearís Day

Monday, January 20th
- - Martin Luther King, Jr. Day

Monday, February 17th
- - Presidentís Day

Monday, May 26th
- - Memorial Day

Friday, July 4th
- - Independence Day

Monday, September 1st
- - Labor Day

Monday, October 13th
- - Columbus Day

Thursday, November 27th
- - Thanksgiving

Friday, November 28th
- - Day After Thanksgiving

Thursday, December 25th
- - Christmas

Friday, December 26th
- - Day After Christmas


Amandaís Law, passed in the 2009 Session of the New York State Legislature, will establish a new requirement for installation of carbon monoxide detectors in homes. read more...


Community Mutual Insurance Company has been serving the insurance needs of New York State communities for over 150 years. Our friendly and knowledgeable staff of insurance professionals is always ready to assist our agents and policyholders. At Community Mutual people are more than just a number.

Our mission at Community Mutual is to provide superior service and security for our policyholders at the most competitive rates possible. Professional insurance agents are conveniently located across the state to assist our insureds whenever needed.


December 20, 2013

To our Agency Partners, Staff and Insureds:

We are extremely pleased to announce that, as a result of our affiliation with the Union Mutual of Vermont Companies, A. M. Best Co. has assigned a financial strength rating of A- (Excellent) and an insurer credit rating of “a-“ to Community Mutual Insurance Company. The outlook assigned to both ratings is stable.

This exciting change gives us the opportunity to get back to the business of insurance. The financial stability provided by Union Mutual should in turn provide you with the confidence needed to maintain your partnership with Community Mutual. Any E & O concerns you may have had should now be put to rest allowing you to once again look to Community Mutual as a partner to place business with. For nearly 160 years Community Mutual has filled the needs of New York State’s independent agencies and we look forward to growing our relationship with each of you.

We welcome the opportunity to discuss with you how our new affiliation will benefit your agency and insureds. This includes: expanding underwriting capacity and appetite, exploring the addition of new products as well as enhancing our current products lines.

Again, we look forward to meeting with each of you in the coming year.

Enjoy a safe and happy Holiday season.

Thomas A. White, President
Michael W. Nobles, Chief Executive Officer
Robert Glass, Senior Vice President, Products & Distribution


We proudly offer Underwriters Rating Board Policy Forms and Coverages.

Community Mutual Insurance Company is reinsured by Union Mutual Fire Insurance Company effective January 1, 2014.