Founded in 1864. An employee-owned company.

NYMIR Coverage Information

Marshall & Sterling has partnered with the New York Municipal Insurance Reciprocal (NYMIR) in providing insurance throughout NY State, and exclusively in Greene, Orange and Ulster Counties. We do this because NYMIR prides itself on its extensive knowledge of municipal issues and its relationship with the three statewide local government associations that created the reciprocal in 1993. Unlike most other insurance carriers, NYMIR only insures municipal governments and only operates in New York State. This concentrated focus guarantees that we are both aware of, and able to quickly respond to, changing municipal insurance needs – whether driven by world or national events, statutory mandates or local issues.

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As a municipally owned insurance company, NYMIR strives to provide the insurance coverages that are most important for New York State Local Governments. NYMIR is aware that municipal needs are constantly changing and is able to respond to those needs with the most comprehensive coverage available anywhere. Highlights Include:


  • Blanket Limits
  • No coinsurance
  • Extended property enhancements
  • Independent property appraisal

General Liability

  • Accidental pollution coverage
  • Full limits for sexual abuse & molestation
  • Full limits on failure to supply (utilities)
  • Mutual Aid

Inland Marine

  • Replacement Cost
  • Flood coverage
  • Constructive loss at 75%


  • Additional $3,000 for attached equipment
  • Deductible reimbursement for officers & directors

Public Officials

  • Full limits for employment related practices
  • Land use
  • No deductible for defense (available)
  • Defense costs outside the limit


  • Up to $10,000,000 limit

Law Enforcement

  • Consent to settle
  • No deductible for defense (available)
  • Hot pursuit
  • Department approved moonlighting
  • Full limits for sexual abuse & molestation
  • Defense costs outside the limit

NYMIR also offers a variety of deductible options and self insured retention limits. To learn more about these coverages or others offered by NYMIR, please contact a Marshall & Sterling representative.


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