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# Statewide Underwriting Services

Empowering Agents and Brokers with Exceptional Insurance Solutions

## Sitemaps

- [XML Sitemap](https://www.swus.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [September Insurance Coverage Review: Prepare for What’s Next](https://www.swus.com/september-insurance-coverage-review-prepare-for-whats-next/) - September is a smart time for an insurance coverage review. Learn what to check for coverage gaps and how agents can help clients prepare for change.
- [Business Insurance Checklist: 5 Lessons from a Statewide Intern](https://www.swus.com/business-insurance-checklist-5-lessons-from-a-statewide-intern/) - Abigail Devost shares five lessons from her Statewide internship on business insurance, risk planning, coverage reviews, and preparing for change.
- [Win Big This Triple Crown Season](https://www.swus.com/win-big-this-triple-crown-season/) - As the excitement of the Triple Crown season builds, so does your opportunity to earn an unforgettable experience. From the Kentucky Derby through the Belmont Stakes, the top three agencies that bind the most Dwelling Fire and CraftPak policies will win an exclusive day at the legendary Saratoga Racecourse. Each winning agency will receive three tickets to enjoy: open bar,
- [Is Water Damage Covered by Insurance?](https://www.swus.com/is-water-damage-covered-by-insurance-what-you-need-to-know/) - The Cost of Water Damage Claims Water damage is the second most frequently filed insurance claim, costing the insurance industry over $5 billion annually. The average water damage claim exceeds $5,500, according to the Insurance Information Institute. Helping insured clients prevent or minimize water damage losses is a valuable service offered by professional insurance agents.
- [Safeguarding Against E-Bike Fires: A Guide for New York State's Insured](https://www.swus.com/safeguarding-against-e-bike-fires-a-guide-for-new-york-insured/) - E-Bike Fires: A Guide for New York's Insured In the rapidly evolving landscape of electric bicycles (E-Bikes), also known as Micro Mobility Devices (MMD) across New York State, safety standards have emerged as a pivotal concern, especially given the massive influx of these devices. In 2021 alone, almost 900,000 E-Bikes were imported into New York
- [Commercial Lines Business Extender - MHC-500Plus & CCIC-500Plus](https://www.swus.com/commercial-lines-business-extender-mhc-500plus-ccic-500plus-2/) - Business Extender for SMP, BOP and Commercial Fire Our Business Extender can give the insured that little bit extra that can really make the difference during a claim. For an additional premium (SMP/CF $275 and BOP $225 or about $9-$11 per coverage) twenty-five additional coverages are offered. The extender coverage applies in excess over other
- [New Business Down Payments](https://www.swus.com/new-business-down-payments/) - New Business Down Payments The first payment for a new insurance policy, also known as a down payment, is many times the most important. The payment is calculated as 25% of the total annual premium, plus any applicable New York State Fire Fees in full, plus a full installment fee. If the payment plan selected
- [Do You Have Adequate Insurance To Replace Your Home In The Event Of A Significant Loss?](https://www.swus.com/do-you-have-adequate-insurance-to-replace-your-home-in-the-event-of-a-significant-loss/) - Many homeowners may surprisingly answer this as “YES”. Choosing or verifying a building limit is an important part of issuing or renewing an insurance policy. If a loss occurs, it will be essential that the limit is high enough to indemnify the insured for a loss. The value of your home can increase for several
- [Advantages Of Assessing Your Risks For Slips, Trips And Falls](https://www.swus.com/advantages-of-assessing-your-risks-for-slips-trips-and-falls-2/) - Slips, trips and falls are among the greatest workers’ compensation and general liability exposures. Two of the most common causes for slips and falls are slippery and uneven walking surfaces. It is important to take the time to evaluate every area of your facility and find where these risks could arise, specifically high-traffic areas. Best
- [Safety Tips For Grilling](https://www.swus.com/safety-tips-for-grilling/) - Trim the fat: Flare ups usually happen because of excess fat, sauces or oily marinades. Trim off some of the fat without sacrificing flavor. Keep the lip open: When searing fatty foods, leave the grill lip open Avoid wind: Try to keep your grill away from windy areas. Wind forces oxygen between the grates which
- [Renter’s Insurance – Is It Worth It?](https://www.swus.com/renters-insurance-is-it-worth-it/) - Are you the owner of a building with residential tenants? Good, let’s talk! As a residential building owner, you’ve likely gone through all the hard work – made sure your building is safe and sound, handled all your city/state code requirements, and obtained the proper building insurance coverage. And then life happens! Disaster strikes, and
- [The Importance of Comprehensive Submissions](https://www.swus.com/the-importance-of-comprehensive-submissions/) - Our Statewide underwriters are eager partners ready to help your agency grow its book of business. A complete underwriting submission helps your underwriters quickly and efficiently rate your new business resulting in faster turnaround on quotes. Missing information on Statewide or ACORD applications significantly delays the underwriting process and causes additional efforts by all parties.
- [There Is No “I” In Team Yet. . .](https://www.swus.com/there-is-no-i-in-team-yet/) - There is no “I” in Team yet. . . there is “me” in team. The “me” in team is about the importance of what you do that makes your team the best it can be. This “me” first mindset focuses on doing your part, first, to do all you can do, be all you can
- [Refunds for Business Entities](https://www.swus.com/refunds-for-business-entities/) - When binding a policy under a business entity name, please use a bank account associated with the entity to ensure that you can deposit a check as the payee. The bound entity name on the policy is the same name that a refund will be issued to. An incorrect theory regarding issuing refund checks, the
- [Accelerating Change](https://www.swus.com/accelerating-change/) - We are always being told that "Change is constant." Twenty years ago, I personally added to this phrase - "Change is constant; only the velocity varies." Actually, "velocity varies" implies there is a possibility that the rate of change might slow down. This is not true, it only accelerates. The telephone was invented in 1876,
- [Commercial Lines Business Extender - MHC-500Plus & CCIC-500Plus](https://www.swus.com/commercial-lines-business-extender-mhc-500plus-ccic-500plus/) - Business Extender for SMP, BOP, and Commercial Fire Our Business Extender can give the insured that little bit extra that can really make the difference during a claim. For an additional premium (SMP/CF $275 and BOP $225 or about $9-$11 per coverage) twenty-five additional coverages are offered. The extender coverage applies in excess over other
- [It’s Not Paranoia If They Really Are Out To Get You](https://www.swus.com/its-not-paranoia-if-they-really-are-out-to-get-you/) - The prevalence of cyber-attacks is almost unavoidable. Some cyber-attacks are so large or significant that they can make the TV news but if you are anything like me you have had your friends tell you their Facebook account was hacked, or you have received a data breach notification email from some website to which you
- [Let’s Drift!](https://www.swus.com/lets-drift/) - Drift = Do It Right The First Time! We are all so busy trying to service our clients up to their satisfaction. Sometimes it seems like there is not enough hours in our days to take care of the things that need to be taken care of. Our tendency is then to “rush” to get
- [Planning a getaway? Check out these tips so it can be stress-free!](https://www.swus.com/planning-a-getaway-check-out-these-tips-so-it-can-be-stress-free/) - No one wants to return from a vacation to find that something has gone wrong back home. An empty house or structure is unfortunately an ideal target for criminals. Here are a few preventative measures to ensure a situation like this does not ruin your trip!
- [You Can Help Us, Help You. . .](https://www.swus.com/you-can-help-us-help-you/) - All of us are busy and like to be able to get the next “task” at hand done as quickly as possible. None of us like to feel like things are taking longer than they need to get the information we need, or our situation resolved. When contacting Statewide Underwriting Services (SWUS) providing basic information
- [BINDING AUTHORITY SUSPENDED:  Tropical Storm Henri](https://www.swus.com/binding-authority-suspended-tropical-storm-henri/) - Please be advised that we are monitoring Tropical Storm Henri as it tracks north along the eastern seaboard of the continental United States and the eastern maritime provinces of Canada. We are taking the following underwriting precaution: We are suspending all agent's binding authority for all lines of business effective Saturday, 08/21/21 @ 8 pm until Sunday,
- [Holiday Hours | Independence Day 2021](https://www.swus.com/holiday-hours-independence-day-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!
- [Commercial Lines Rate Changes](https://www.swus.com/available-personal-lines-credits/) - 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.
- [Personal Lines Credits | Now Available](https://www.swus.com/available-personal-lines-credits-2/) - 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
- [How to Protect Your Sewer and Plumbing Systems during COVID 19](https://www.swus.com/how-to-protect-your-sewer-and-plumbing-systems-during-covid-19/) - 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.
- [Advantages of Assessing your Risks for Slips, Trips, and Falls](https://www.swus.com/advantages-of-assessing-your-risks-for-slips-trips-and-falls/) - 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.
- [The Hard Market Cycle Change: A Primer On What It Is & What To Do About It](https://www.swus.com/the-hard-market-cycle-change-a-primer-on-what-it-is-what-to-do-about-it/) - 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.
- [Working from Home: Legal and Insurance Considerations](https://www.swus.com/working-from-home-legal-and-insurance-considerations/) - 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...
- [Online Sales, Sales Taxes during COVID and Beyond](https://www.swus.com/online-sales-sales-taxes-during-covid-and-beyond/) - 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...
- [Frozen Pipes, Don't Leave Yourself Exposed This Winter](https://www.swus.com/frozen-pipes-dont-leave-yourself-exposed-this-winter/) - 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.
- [SWUS Quarterly Newsletter | Fall 2020](https://www.swus.com/swus-quarterly-newsletter-fall-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
- [How to Avoid Home Insurance Claims](https://www.swus.com/how-to-avoid-home-insurance-claims/) - 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.
- [Market Value vs. Replacement Cost](https://www.swus.com/market-value-vs-replacement-cost/) - 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.
- [Why Buy Renters Insurance?](https://www.swus.com/why-buy-renters-insurance/) - 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.
- [Hurricane season is upon us. Do you have the right coverage?](https://www.swus.com/hurricane-season-is-upon-us-do-you-have-the-right-coverage/) - 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.
- [SWUS Quarterly Newsletter | Summer 2020](https://www.swus.com/swus-quarterly-newsletter-summer-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
- [Special Announcement | A Job Well Done and New Beginnings](https://www.swus.com/special-announcement-a-job-well-done-and-new-beginnings/) - 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
- [Billing & Payment Updates](https://www.swus.com/billing-payment-updates/) - 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
- [Agents: Request for Information](https://www.swus.com/agents-request-for-information/) - 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
- [DFS Approved Rate Changes - Personal Lines](https://www.swus.com/dfs-approved-rate-changes-personal-lines/) - 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 onlyLandlord Packages: +2.5% on Base Rates onlyManufactured/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 to be
- [Relationships, Retention, and Profit](https://www.swus.com/relationships-retention-and-profit/) - 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
- [SWUS Quarterly Newsletter | Spring 2020](https://www.swus.com/swus-quarterly-newsletter-spring-2020/) - It’s a new year with new opportunities, and we are looking forward to what else 2020 has in store. Living and working in the property and casualty insurance industry in New York State can prove to be challenging during the winter months. The annual ritual is that we, like many companies, tend to lose money
- [How to Provide Great Customer Service During a Crisis](https://www.swus.com/how-to-provide-great-customer-service-during-a-crisis/) - We are in a service business, and communication is always vital. During the current COVID-19 crisis, communication is critical for retaining the trust, loyalty, and business of your customers. In so many ways over the years, the insurance industry has responded well in times of crisis. We do our best to reassure and restore people’s
- [COVID-19 Economic Hardship](https://www.swus.com/covid-19-economic-hardship/) - Effective: March 30, 2020 To All Policyholders of Mid-Hudson Co-Operative Insurance Company, Claverack Cooperative Insurance Company and Midrox Insurance Company on behalf of Statewide Underwriting Services. The New York State Department of Financial Services (DFS) today adopted an emergency regulation due to COVID-19. If the COVID-19 pandemic has caused economic hardship, please call or email us to
- [POLICYHOLDER NOTIFICATION COVID-19 (Coronavirus)](https://www.swus.com/policyholder-notification-covid-19/) - This policyholder notification is being sent at the request of the New York Department of Financial Services to all insureds that have a Businessowners’ policy, Special Multi-Peril policy, Commercial Multi-Peril policy or other commercial property insurance to inform you of how COVID-19 (Coronavirus) impacts any business interruption coverage you may have on your policy. Business
- [CE Courses Rescheduled](https://www.swus.com/ce-courses-rescheduled/) - In response to the current public health threat related to the COVID-19 pandemic, Statewide Underwriting Services has cancelled previously scheduled Continuing-education courses for April & May 2020. New CE Course dates have been added and registration is available below.* DFS extends continuing-education filing deadline New York State Department of Financial Services’ licensing services is implementing temporary emergency procedures
- [SWUS Quarterly Newsletter | Winter 2019](https://www.swus.com/swus-quarterly-newsletter-winter-2019/) - I hope you are well and are looking forward to the promises of the new year!As 2019 comes to a rapid close, it’s an ideal time to do some self-assessment in the hopes of uncovering opportunities for personaland professional growth. Here at Statewide Underwriting Services we try to work and live by our core values...
- [New York Insurance Co-Ops Announce Corporate Affiliations](https://www.swus.com/new-york-insurance-co-ops-announce-corporate-affiliations/) - Mid-Hudson Co-Operative Insurance Company, Midrox Insurance Company, and Claverack Cooperative Insurance Company have recently joined forces under a new management company, Statewide Underwriting Services (SWUS). The new affiliation with Statewide allows each of the three companies to offer its agents more choices, greater ease of doing business through operational consolidation, and most importantly, greater flexibility
- [Combating weather-related hazards](https://www.swus.com/combating-weather-related-hazards/) - WINTER IS UPON US, and with the colder weather comes increased risk of loss. Weather-related emergencies can occur at any time. Proper underwriting and communication to your insureds can help to avoid potentially devastating and often tragic losses. After a few years with no major storms or severe winter temperatures, complacency tends to set in,
- [Instant quoting for personal lines business](https://www.swus.com/instant-quoting-for-personal-lines-business/) - BLUE360 has been a successful platform for Mid-Hudson Co-Operative Insurance Company, but its technology needed a refresh. Welcome to BLUE360 2.0! A new view of BLUE360 BLUE360 is Mid-Hudson’s agent portal for quoting personal lines policies. It provides instant quotes for homeowner, landlord, manufactured home, and dwelling fire risks. But the underlying technology was becoming
- [Agency re-contracting](https://www.swus.com/agency-re-contracting/) - We are pleased to announce Midrox Insurance Co. has joined Statewide Underwriting Services (SWUS). Statewide is one organization with three underwriting companies: Midrox Insurance Co., Claverack Cooperative, and Mid-Hudson Co-Operative Ins. Co. Whichever company you have represented in the past; you now are an agent appointed with all three companies, with more tools and opportunities
- [Protect Your Home from Winter Damage](https://www.swus.com/protect-your-home-from-winter-damage/) - Winter storms and cold waves caused $1.2 billion in insured losses in 2017, according to Insurance Information Inc. Frozen pipes, blackouts, and snow or ice build-up can wreak havoc on your home. Prepare for what could happen before disaster strikes, so you don’t have to worry about reacting to it after. FROZEN PIPES Frozen pipes

## Pages

- [Home](https://www.swus.com/) - Partner with Statewide Underwriting Services for reliable personal & commercial insurance solutions. Supporting agents & brokers across New York
- [Personal and Commercial Applications](https://www.swus.com/agent-login/personal-commercial-applications/) - Personal and Commercial Applications Personal Applications Select one of the applications below. Dwelling Fire Program Builders’ Risk / Renovation Suppl. Wood Burning Stove Suppl. Inland Marine Suppl. Habitational Suppl. Agents Binding Authority Addendum All personal lines of new business are to be submitted via the Company’s BLUE360 system. BLUE360 will enable the Company’s authorized Agent
- [Agent Login](https://www.swus.com/agent-login/) - Agent Login AGENT aCCESS Select one of the options below: Evolve Application Log in to the policy administration system for Statewide Underwriting Services. Commercial Applications Commercial Application Types: Liquor Liability, Restaurant, Habitational, Commercial BOP, Commercial SMP, Craft Pak Personal Applications Personal Application Types: Dwelling Fire, Builders Risk/Renovation, Inland Marine, Wood Burning Stove, Habitational Agents Binding
- [Find An Agent](https://www.swus.com/find-an-agent/)
- [Commercial Applications](https://www.swus.com/agent-login/commercial-applications/) - Commercial Applications Commercial Applications Select one of the applications below. Commercial BOP Restaurant Suppl. Habitational Suppl. Craft Pak Commercial SMP URB Forms Agents Binding Authority Addendum All personal lines of new business are to be submitted via the Company’s BLUE360 system. BLUE360 will enable the Company’s authorized Agent to bind business based on eligibility criteria
- [Privacy Policy](https://www.swus.com/privacy-policy/) - Privacy Policy Privacy Policy Privacy PolicyEffective Date: January 1, 2025Last Updated: February 17, 20251. IntroductionStatewide Underwriters Agency, Inc. (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, interact with us, or sign up for our services,
- [Become An Agent](https://www.swus.com/become-an-agent/) - Become An Agent Become an Agent WHY Choose Statewide? At Statewide, we provide unparalleled support and resources to help you thrive as an insurance agent. You will work with individuals and an organization who share a set of Core Values comprised on Positive Attitude, Adaptability, Work Ethic, Dedication, and Relational Greatness. Financial Independence Enjoy the
- [Make a Payment](https://www.swus.com/payments/) - Make a Payment Payment Options Pay Online To pay your bill please click on the appropriate button below.Please have your bill in hand to reference the insurance company and policy details.The format of your policy number indicates the appropriate payment option. Policy number contains ONLY NUMBERSe.g. 10209876 Policy number contains Letters & NUMBERSe.g. ABC3198765 Pay
- [Why Choose us](https://www.swus.com/about-us/why-choose-us/) - Why Choose us WHY CHOOSE US At Statewide Underwriting Services, we pride ourselves on being a relationship-focused independent insurance agency company, with more than 100 years of knowledge and experience in providing solutions to our agents on behalf of their policyholders.Offering consistent, stable rates, we are a cost-effective partner in the insurance industry. We take
- [24-Hour Claims](https://www.swus.com/about-us/24-hour-claims/) - 24-Hour Claims Submit a Claim 24 HOURS CLAIMS SERVICE (800) 721-5001 Statewide Underwriting provides access to a broad base of resources Protect the damaged property from additional damage. Notify your agent as soon as possible. Prepare an inventory list and description of the damaged property. If repairs must be made before our adjuster can arrive
- [Farm](https://www.swus.com/insurance/farm/) - Farm Farm Owners Insurance Farming is a job without hours; it takes passion and commitment. Farming is not only people’s livelihood but their lifestyle. Many factors can affect a farm’s productivity season to season, whether you grow crops, raise livestock, or other agribusiness pursuits. Identifying risks and protecting against them are keys to survival. Carrying
- [Personal Insurance](https://www.swus.com/insurance/personal-insurance/) - Personal Insurance Personal Insurance Personal insurance policies are designed to protect you and your family should unexpected, unfortunate setbacks occur. There are many types of personal insurance policies, and each provides coverages related to different aspects of everyday life.How much personal insurance you carry will be directly relative to personal details like your financial situation,
- [Career Opportunities](https://www.swus.com/insurance-career-opportunities/) - Career Opportunities Insurance Career Opportunities
- [Affiliates in SWUS](https://www.swus.com/affiliates-in-statewide-underwriting-services-mid-hudson-co-operative-insurance-company-midrox-insurance-company-claverack-cooperative-insurance-company/) - Affiliates in SWUS Affiliates in SWUS Mid-Hudson Co-Operative Insurance Company, Midrox Insurance Company & Claverack Cooperative Insurance Company. Statewide Underwriting Services (SWUS)Statewide Underwriting Services (SWUS) is an independent insurance agency with a strong focus on relationships, backed by over 100 years of industry knowledge and experience. Our exclusive affiliation with Mid-Hudson Co-Operative Insurance Company, Midrox Insurance
- [Business Insurance](https://www.swus.com/insurance/business-insurance/) - Business Insurance Business Insurance Commercial insurance protects you and your business from potential losses that may result from unforeseen circumstances. All types of unfortunate events can result in work interruptions. On-the-job injuries affect your valued workforce; fire damage can bring operations to a halt at your brick and mortar facilities. The bottom line is, when
- [Board of Directors](https://www.swus.com/about-us/board-of-directors/) - Board of Directors SWUS Board of Directors Marc A. Baez (CCIC & MHC) Elizabeth Dolan (CCIC & MHC) Alan R. Lewis (CCIC & MHC) Kathy Buckley (CCIC & MHC) Raymond Enright (CCIC & MHC) Charles Frank McIntosh (MIC) Catherine M. Coombe (MHC) William Richard Finch (MIC: Vice President) Fredrick John Morse (MIC: President; MHC) Greg
- [Test Page](https://www.swus.com/test-page/)
- [Contact Us](https://www.swus.com/contact-us/) - Contact Us Contact Us We're easy to reach! Select one of the options below. Make a Payment File a Claim Find an Insurance Agent Become an Agent Send us a quick message We will get back to you! "*" indicates required fields CompanyThis field is for validation purposes and should be left unchanged.Your Name:*Email* Phone
- [Terms and Conditions](https://www.swus.com/terms-and-conditions/) - Terms and Conditions Terms & Conditions TermsBy accessing this website, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are
- [Submit a Claim](https://www.swus.com/submit-a-claim/) - Submit a Claim Submit a Claim Statewide Underwriting provides access to a broad base of resources Protect the damaged property from additional damage. Notify your agent as soon as possible. Prepare an inventory list and description of the damaged property. If repairs must be made before our adjuster can arrive take photos of the damaged
- [Insurance](https://www.swus.com/insurance/) - Insurance Insurance Statewide Underwriting provides access to a broad base of services, coverage types, and expanded offerings to agents and clients in New York State. In addition to personal and commercial coverage, the underwriting companies also offer inland marine coverage options for personal and commercial lines for farm owners and small contractors.Statewide can provide access
- [Disclaimer](https://www.swus.com/disclaimer/) - Disclaimer Disclaimer While great care has been taken to present accurate information, Statewide Underwriting Services may not be held responsible for any errors, omissions and/or inaccuracies that may be contained in this website, nor may Statewide Underwriting Services be held liable for damages or losses resulting either directly or indirectly from the use of information
- [Blog](https://www.swus.com/blog/) - Blog NEWS & UPDATES Blog COVID-19 Industry News Newsletters Updates All September Insurance Coverage Review: Prepare for What’s Next September Insurance Coverage Review: Prepare for What’s Next As September arrives, many of us find ourselves settling back into routines. Students return to school, teachers head back to the classroom,... September 18, 2026 Read more Business
- [Accessibility Statement](https://www.swus.com/accessibility-statement/) - Accessibility Statement Accessibility Statement We are committed to making this website compliant with the Americans with Disabilities Act. We wish all of our visitors to be able to access and understand our goods and services. This is an ongoing project, and we are bringing sections of our internet presence into ADA compliance following the relevant
- [Our Team](https://www.swus.com/about-us/our-team/) - Our Team Find an agent
- [About Us](https://www.swus.com/about-us/) - About Us ABOUT us Statewide Underwriting Services is a relationship-based independent insurance agency company with over 100 years of knowledge and experience providing solutions to our agents on behalf of their policyholders. With our exclusive affiliation to Mid-Hudson Co-Operative Insurance Company, Midrox Insurance Company, and Claverack Cooperative Insurance Company, providing access to a broad base
- [Resources](https://www.swus.com/resources/) - Resources Resources Statewide Underwriting provides access to a broad base of resources Blog Our latest news and updates Events Learn more about out latest events
- [Embed Link](https://www.swus.com/embed-link/)
- [Events](https://www.swus.com/events/) - Events EVENTS [tribe_events_list]
- [Sample Page](https://www.swus.com/sample-page/) - This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger

## Events

- [Save the Date for Continuing Education (CE) Credits on May 13, 2026](https://www.swus.com/event/save-the-date-for-continuing-education-ce-credits-on-may-13-2026/) - Join us on Wednesday, May 13, 2026 for an opportunity to earn Continuing Education (CE) credits through our annual seminar program, designed specifically for agents from Mid-Hudson Co-Operative, Claverack Cooperative, and Midrox. We are pleased to welcome back Ivan Cohen as this year’s CE instructor. Ivan Cohen, RF, ARM, CRM, CIC, AIC, AAI, MLIS, and
- [Save the Date for Continuing Education (CE) credits on May 7, 2025](https://www.swus.com/event/save-the-date-for-our-ce-course/) - Join us May 7 in Walden, NY to earn 8 NYS CE credits. Space is limited—RSVP now to secure your seat for this exclusive seminar.

## Categories

- [Updates](https://www.swus.com/category/updates/)
- [Blog](https://www.swus.com/category/blog/)
- [Newsletters](https://www.swus.com/category/newsletters/)
- [COVID-19](https://www.swus.com/category/covid-19/)
- [Industry News](https://www.swus.com/category/industry-news/)

## Tags

- [cleaning surfaces](https://www.swus.com/tag/cleaning-surfaces/)
- [coronavirus pandemic](https://www.swus.com/tag/coronavirus-pandemic-2/)
- [public health risks](https://www.swus.com/tag/public-health-risks/)
- [sewage backup](https://www.swus.com/tag/sewage-backup/)
- [Sewer and Plumbing Systems](https://www.swus.com/tag/sewer-and-plumbing-systems/)
- [fire](https://www.swus.com/tag/fire/)
- [Landlord property insurance](https://www.swus.com/tag/landlord-property-insurance/)
- [lightning](https://www.swus.com/tag/lightning/)
- [Renter Insurance](https://www.swus.com/tag/renter-insurance/)
- [theft](https://www.swus.com/tag/theft/)
- [vandalism](https://www.swus.com/tag/vandalism/)
- [water damage](https://www.swus.com/tag/water-damage/)
- [windstorms](https://www.swus.com/tag/windstorms/)
- [coverage](https://www.swus.com/tag/coverage/)
- [market value](https://www.swus.com/tag/market-value/)
- [property valuation](https://www.swus.com/tag/property-valuation/)
- [replacement cost](https://www.swus.com/tag/replacement-cost/)
- [Avoiding claims](https://www.swus.com/tag/avoiding-claims/)
- [Homeowners Insurance](https://www.swus.com/tag/homeowners-insurance-2/)
- [Insurance claims](https://www.swus.com/tag/insurance-claims/)
- [Prevent damage](https://www.swus.com/tag/prevent-damage/)
- [Reduce Insurance costs](https://www.swus.com/tag/reduce-insurance-costs/)
- [Costly repairs](https://www.swus.com/tag/costly-repairs/)
- [Frozen pipes](https://www.swus.com/tag/frozen-pipes/)
- [pipe burst](https://www.swus.com/tag/pipe-burst/)
- [2020 taxes](https://www.swus.com/tag/2020-taxes/)
- [e-sales](https://www.swus.com/tag/e-sales/)
- [Online sales](https://www.swus.com/tag/online-sales/)
- [sales tax](https://www.swus.com/tag/sales-tax/)
- [Small businesses](https://www.swus.com/tag/small-businesses/)
- [home](https://www.swus.com/tag/home/)
- [pandemic](https://www.swus.com/tag/pandemic/)
- [personal lines](https://www.swus.com/tag/personal-lines/)
- [Assessing risks](https://www.swus.com/tag/assessing-risks/)
- [occupational injuries](https://www.swus.com/tag/occupational-injuries/)
- [workers' compensation](https://www.swus.com/tag/workers-compensation/)
- [market cycles](https://www.swus.com/tag/market-cycles/)
- [rate adequacy](https://www.swus.com/tag/rate-adequacy/)
- [rates](https://www.swus.com/tag/rates/)
- [Commercial Lines](https://www.swus.com/tag/commercial-lines/)
- [Rate](https://www.swus.com/tag/rate/)
- [e-bike fires](https://www.swus.com/tag/e-bike-fires/)