The Strength of Our Past
is the
Foundation of Our Future

Erie and Niagara Insurance
is a mutual insurance company.

We work for our policyholders,
 not shareholders



A.M. Best Rated
Since 1988

Financial Size Category VIII

Farm Owner Insurance

We have a long history as a farm focused insurance provider and pride ourselves on being the largest farm writer in New York State.  Our Farm Owner program provides coverage for many different farm types including dairy, beef, cattle, hog, sheep, fruit, crop, hobby and more.

Coverage is available for farm dwellings, personal property, personal liability, farm liability, garage structures, barns, silos and equipment. Several optional endorsements providing important coverage for farms include Milk Spoilage, Ordinance and Law Coverage, Equipment Breakdown, Underground Utility Line Coverage and Weight of Ice, Sleet or Snow.

Inland Marine

Inland Marine coverage may be added by endorsement for a variety of agricultural and personal items such as: mobile equipment used for farming operations or property maintenance, horse tack and equipment, computers, livestock such as cattle, horses, swine, poultry, exotics and more.

Coverage is offered through our affiliate Cherry Valley Cooperative Insurance Company with limits up to $5 Million for a Commercial Farm Umbrella.