Products

You will need to contact a Mid-Hudson authorized agent in order for us to write a policy for you. You can find a local agent by going to our Find an Agent Page or you may Contact Us if you need assistance.

Mid-Hudson Co-Operative Insurance Company can write any of the following types of insurance.

Personal Lines Insurance

Homeowners Insurance - Our Homeowners policy provides property, liability and medical payments coverage provided that you are the owner/occupant of a 1 or 2 family dwelling or if you are a tenant (non-owner) in an apartment or dwelling or the owner of a Condominium Unit if the residence occupied by the insured is used for residential purposes. We can also cover a seasonal/secondary dwellings as well. Ask your agent about the various other endorsements and coverages that you can purchase under a Homeowners Policy at an additional cost.

Manufactured Homeowners Insurance - A Manufactured Homeowners Policy provides property, liability and medical payments coverage provided that you are a 1 and 2 family owner/occupant of a mobile home or a tenant living in a mobile home. You can ask your agent about the various additional endorsements or coverages that you can purchase under a Manufactured Homeowners Policy at an additional cost.

Dwelling Fire Insurance - The Dwelling Fire policy is designed to provide property and liability coverage to 1-4 family dwellings that are vacant or partially vacant, under renovation or in the course of construction. We also cover seasonal properties that are visited on a limited basis and mobile homes. Contact your agent for information on this program.

Commercial Insurance

Business Owners Policy (BOP) - This policy provides many coverages to fit your business needs. Business Owners Insurance is designed for the small to mid-sized main street business. This product offers building and/or business personal property coverage and general liability for your commercial business such as offices, services, mercantile, retail and churches. This policy provides many coverages and additional coverages may be purchased to fit your business needs. Contact your agent to discuss if a Business Owners Policy is right for you.

Special Multi Peril Insurance (SMP) - This is designed for larger Commercial operations and Habitational risks such as apartment buildings.

Commercial Fire Insurance - This is for Commercial Businesses that do not fit into our BOP or SMP Programs.

M&C Small Contractors Insurance - This Insurance Provides Property and general liability coverage for small artisan type contractors. This insurance is not for general contractors or roofing contractors; tree pruning, cutting, or removal of snow and ice; Exterior work over 2 ½ stories; Power washing or sandblasting operations; Hazardous material abatement (including asbestos & lead); Involving raising, demolition, wrecking, blasting or explosives; Involving the repair, installation, or service of high pressure boilers, fire/burglar alarms or fire suppression systems; Any pesticide/herbicides application or any process requiring/providing compliance with environmental regulation; Involving underground excavation or grading of land; Rigging, crane operations or booms; Or any high voltage work. Contact your agent for eligible small contractors classes of business.

Landlord Package Policy - The Landlord Policy provides property and general liability for 1 to 2 family non-owner occupied dwellings rented to the same tenant on an annual basis (no short-term or seasonal rentals, boarding and rooming occupancies or student occupancy) or 3 to 4 family dwellings rented on an annual basis that may have owner occupancy. Condominiums & Co-Op Apartments rented to the same tenant on an annual basis and Mobile homes that are 10 years or less in age and on a permanent foundation or slab with tie downs occupied by the same tenant on an annual basis also qualifies for this program. The rented dwellings must be tenant occupied and vacant dwellings do not qualify for this program and may be submitted under our Dwelling Fire Insurance Policy until a tenant is found.

Inland Marine Insurance

Inland Marine - Inland Marine can cover such things as machinery & equipment, contractors equipment, tools, livestock on a farm, computers, fine arts, jewelry and other personal articles. Inland Marine may be provided on Personal, Commercial, and Farm Insurance policies. Contact your agent to discuss the various eligible classes of Inland Marine products that may be purchased.

Farm Insurance

Farmowners Insurance - This program provides property and general liability for the owner-occupant of a farm, for a tenant who occupies a farm residence specifically identified in the policy for residential purposes and is engaged in the farming operation, or for the non-occupant owner of the farm if the farm is tenant operated under either the named insured's direct management, lease agreement or under the terms of a management contract. It is also for the owner or co-owner of the farm in a private or incorporated farming venture, whereas the named insured must have a equal or controlling financial interest in the venture, occupy the residence insured under the policy and have primary supervision of the farm operation. Coverage for livestock, farm equipment & machinery may be added to the policy as well. Contact your agent for additional farm coverages that are available.

Country Squire Insurance - The Country Squire program provides property and general liability coverage for incidental and part-time farm operations and farm related exposures only. The main residence must be owner occupied and used exclusively for residential purposes only. The main residence shall contain no more than two families. Corporations or partnerships may be added as additional insureds on this policy.

Farm Fire Insurance - This insurance covers farm personal property and farm structures. This insurance can be used for a homeowner who needs to cover a barn(s) on their property or if you have a tenant occupied farm.