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Due to its conservative stature and superior financial strength, Otsego Mutual continues to be rated A+.

The success of mutual insurance companies has always been grounded in careful selection of risks and extraordinary loss prevention. Throughout its history, Otsego Mutual has stuck to this formula for success. It was, and continues to be, this adherence to the mutual philosophy that has allowed the company to survive two World Wars, the Great Depression, various natural disasters and difficult competitive forces to achieve its current prosperity.

With efficiency of operations and preservation of quality personal service priorities, the company is well positioned for another century of success. This will be accomplished with a devoted, well-trained staff, a strong financial foundation and a loyal agent and policyholder base.

Otsego Mutual Building

Our History

With efficiency of operations and preservation of quality personal service priorities, the company is well positioned for another century of success.

Happy Family High-Fiving in Home

Our Products

For more than 100 years, Otsego Mutual has provided affordable protection for our insured’s most valuable asset – their home.

 

Upon completion of its 106th year in 2003, Otsego Mutual had 80 agents throughout New York State, producing $14.3 million in written premiums. Company assets totaled a record $60.7 million, while liabilities were $8.2 million, leaving policyholder surplus at $52.5 million, also a new benchmark. Due to its conservative stature and superior financial strength, Otsego continues to be rated A+. Recently, A.M. Best's Review highlighted Otsego as one of only 15 casualty insurance companies to be listed at A+ or higher for 50 consecutive years. President Kelley Burke Cough stated in the article, "Quality vs. quantity applies to many aspects of the business, from our financial strength to our employees. While the company's staff may be small in number, its employees and agents are "top quality.

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