PRODUCTS AND SERVICES
Community Mutual Insurance Company provides coverage and service to our agents and policyholders for the following Lines of Business:
Homeowners
- Preferred Homeowners (An owner-occupied home built in the last 25 years)
- Standard Homeowners
- Seasonal and Secondary Homeowners
Property and Liability Package Insurance coverage is provided for 1 or 2 family owner-occupied dwellings. Coverage for loss to the residence, private structures, personal property, additional living expenses and comprehensive personal liability coverage is provided all in one policy.
Mobile (Manufactured) Homeowners
Property and Liability Package Insurance coverage is provided for 1 or 2 family owner-occupied manufactured home and tenant occupied manufactured homes. Coverage for loss to the dwelling, other structures, personal property, loss of use and comprehensive personal liability coverage is provided all in one policy.
Farmowners
Property and Liability Insurance coverage is provided for owner-occupant of a farm, owner-non-occupant of a farm if the farm is tenant operated under the Named Insured’s management or a tenant who occupies a farm residence.
Landlords Package
Fire, Allied Lines and Liability Insurance coverage is provided for 1 and 2 family non-owner occupied dwellings and 3 and 4 family owner and non-owner occupied dwellings.
Dwelling Fire
Fire and Allied Lines Insurance coverage is provided for Residences, Farm Residences, Related Private Structures, Manufactured Homes and Personal Property in Residences and Apartments.
BOP - Businessowners Policy
Business Owners Package Insurance coverage is provided for Building, Property, Liability and other coverages for the following classifications:
- Owners - Buildings and Business Property
- Apartment (5 - 12 Units or risks not exceeding $750,000)
- Churches
- Hotel/Motel
- Mercantile
- Office
- Restaurants (UL 300 Compliant)
- Service
- Tenants
- Offices
- Service
- Mercantile
- Restaurants (UL 300 Compliant)
SMP - Special Multi-Peril Policy
- Burglary
- Glass
- General Liability
Property and Liability Insurance Coverage is provided for the following classifications:
- Hotel/Motel
- Apartment House (5 - 12 Units or risks not exceeding $750,000)
- Office
- Mercantile
- Institutional
- Processing or Service
- Dry Cleaners or Laundries
- Installation, Service & Repair
- Household furnishing and appliances
- Office Machines
- Laboratories – Medical, Dental, or X-Ray
- Printing and Similar Services
- Warehousing
- Miscellaneous
- Barber & Beauty Shops
- Dog Kennels
- Funeral Directors
- Veterinarians and Veterinary Hospitals
- Other Miscellaneous Processing or Service Business
- Processing or Service
- Special Commercial Farm
- Restaurants (UL 300 Compliant)
Commercial Fire
Fire, Extended Coverage and Vandalism Insurance Coverage is provided for Building and Business Property.
Inland Marine
- Personal and Commercial
All Risk Coverage may be scheduled for item classes such as:
- Accounts Receivable
- Bicycle
- Computers
- Fine Arts
- Fur
- Golfers Equipment
- Jewelry
- Livestock
- Livestock Breeding
- Mobile Farm Machinery
- Musical Instruments
- Personal Articles
- Personal Effects
- Photographic Equipment
- Physicians and Surgeons Equipment
- Signs
- Silverware
- Stamp Collection
- Valuable Papers and Records
- Wedding Presents
CMIC now offers Agents Internet Access for on-line quoting and Accounting Inquiries.
Contact us today for an Agent Login.
Phone: 518-477-8182
FAX: 518-477-8192
News, Legislation and Current Events
CMIC 2010 HOLIDAY CALENDAR
Monday, July 5th
- - Independence Day
Friday, July 23rd
- - Closing at 12 Noon for CMIC Company Picnic
Monday, September 6th
- - Labor Day
Monday, October 11th
- - Columbus Day
Thursday, November 25th
- - Thanksgiving
Friday, November 26th
- - Day After Thanksgiving
Friday, December 24th
- - Christmas Eve
Friday, December 31st
- - New Year’s Eve
CMIC COMPANY NEWSLETTER
Community Mutual has been working to provide tools for our Agents ease in doing business and better serving our Insureds. 2010 is an exciting year! read more...
CARBON MONOXIDE DETECTORS REQUIRED UNDER NEW LAW
Amanda’s 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...