We are who we insure

  • Contact Us

    • Cortland, New York Office
      Address:  67 Main St
      PO Box 5670
      Cortland, NY 13045
      Phone:  800.822.3747
      Fax:607.756.5051 (Underwriting)
      Fax:607.756.5967 (Claims Services)
      Denver, Colorado Office
      Address:  1331 17th Street
      Suite 810
      Denver, CO 80202
      Phone:  800.822.3747
      Fax:607.756.5051 (Underwriting)
      Orland Park, Illinois Office
      Address:  13841 Southwest Hwy
      Orland Park, IL 60462
      Phone:  800.346.1031
  • Cyber Insurance – Why Buy It?

    Print McNeil & Company 11:32 am

    In the insurance industry, we are constantly challenged to show why our products and services are better than the competition, or even necessary. Some insurance products are required by law, like auto liability, some products are required to conduct business, like property insurance to secure a loan, and some of our products are considered optional. There is no outside demand to purchase these products. They are being purchased as a way to transfer the risk to the insurance company. An example of an optional product is life insurance. People understand the purpose, but since no one is “making them” buy it, many opt not to purchase it.

    Cyber Insurance is currently in the category of optional. The insurance industry has not done a great job of educating the public on why they need to buy this product. We are caught up in proving the value of the coverage, but neglect to explain the true value.

    The Services That Come With The Product

    I just googled what to do after you think your company was hacked. Almost every article indicates the hacked company needs to research the scope of the breach and let the stakeholders know about it. None of the articles indicated that you should call your insurance broker/company if you have cyber insurance. Imagine being in a car crash and not understanding you need to call your insurance company. Why is this different? Most, if not all, cyber programs include forensic work to discover if a breach has occurred, and if you can identify the scope of the breach.

    Buying insurance is not something we all talk about at parties, or with our friends. It is not an exciting topic, and isn’t noteworthy unless you have experienced a loss, and your insurance representative or product does something exceptional. If you have purchased a cyber product, give your insurance company a chance to do something exceptional. Ask them for information about preventing a loss, and if you think a breach has occurred, call them. If you are a business owner and haven’t purchased cyber insurance because you “don’t need it” do a little research into your obligations for a suspected hack. The price for the policy will look cheap compared to going it alone. This isn’t solely about having coverage, it’s about having a support system to help you navigate the system and to make sure you are doing as much as possible to follow the law. That is why you purchase this program.

    Bob Barber

    Chief Underwriting Officer

  • E-Learning


    E-Learning Copy

    Our E-Learning platform is available 24/7 to meet the needs of the student. These online courses are offered free of charge to our insureds. Additional classes are being developed on a regular basis, so check back often to see new opportunities.
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  • Our Programs


    Our Programs

    We offer some of the most comprehensive insurance coverages in the industry. Let us propose a customized insurance package for your organization.
  • Questions?



    Have questions about your policy, want more info on our programs or need to be put in touch with a local agent? Contact us today and we'll be glad to assist you!
  • Contact Us


    Contact Us



    67 Main St
    Cortland, NY13045