Hudson Valley

Municipal Insurance & Risk Management (NYMIR)

Exclusive agent for NYMIR in Albany, Greene, Orange, and Ulster counties.

The NYMIR Risk Management Program is designed specifically for municipalities, created to address the loss exposures unique to local governments.

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Municipal Insurance 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

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


  • 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

Inland Marine

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


  • Up to $10,000,000 limit

Insuring NYS Municipal Governments

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.

What is the NYMIR Risk Management Program?

Unlike most other insurance carriers, NYMIR only insures municipal governments and only operates in New York State. This concentrated focus guarantees that NYMIR is both aware of, and able to quickly respond to, changing municipal insurance needs. Whether these needs are driven by world or national events, statutory mandates, or local issues, we will make sure you are prepared. The ultimate goal being to limit the frequency and severity of losses.

We are pleased to offer you these valuable risk control services and resources as a part of our insurance proposal.

Our Risk Control and Resources Include:

  • Facility Inspections
  • Law Enforcement Liability Assessment
  • Special Inspections
  • Local Training
  • Attendance at Subscriber Safety Committees
  • Risk Management Consulting Services
  • Certificate of Insurance/Contract/Bid Specifications Review

Protecting and defending member municipalities.

NYMIR has also distinguished itself by providing the very best in claims service and when defending claims that are brought against its membership. What can this mean for your municipality? It's simple.

When a legitimate claim is received for a covered loss, as thousands are every year, it is processed and paid promptly. Our service professionals are trained to understand that public sector clients require that extra measure of courtesy and responsiveness, and they strive to deliver on that commitment each and every day.

Going above and beyond

When a claim or lawsuit brought against a member subscriber is not legitimate, NYMIR distinguishes itself in two critically important ways:

  • We have a proactive stance against any and all frivolous claims and lawsuits. We value our member's good name and reputation and will defend it whatever the cost. Again, try to replicate that same commitment from any of the for-profit, commercial carriers that solicit your business.
  • We defend all claims with a dedicated cadre of defense attorneys who are selected for their expertise and their commitment to the public sector – not with some politically-connected or high-priced “Philadelphia lawyer” who may not be familiar with New York law or know their way around your County Courthouse.
We understand the complexities associated with claims presented against municipal officials alleging employment-based harassment or improper acts committed by police officers. To manage these claims, NYMIR has created a specialty unit of experienced attorneys who oversee a panel of law firms with expertise representing municipal defendants in federal and state courts.

Specialists familiar with the law.

The NYMIR claims department consists of in-house claims examiners and managers, independent adjusting firms; along with managing house counsel located at our home office and outside counsel firms throughout New York State. Subscribers are assigned one adjusting and law firm for continuity and familiarity. All are specialists and thoroughly familiar with New York Municipal Law and New York Municipal claims practice.

In short, our claims management philosophy helps our members obtain their primary goal: insuring their own future.

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Tips from Experts
Tips from our experts
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Is your property insurance limit adequate?

If you own commercial property, a wide variety of policy options are available at different prices that cover an assortment of replacement or repair options at the time of loss. Knowing how much your property is worth and obtaining the insurance policy that both protects you and suits your financial needs is important.

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Addressing Sexual Misconduct Allegations with Insurance

Allegations of sexual misconduct against politicians, celebrities and other public figures have become increasingly common in recent years. In fact, social movements and a strong public outcry have led to a marked increase in sexual harassment claims—claims that can be incredibly damaging for organizations themselves.

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What You Should Know About Flood Insurance

Flooding is a risk to any business, whether you are inland or near the coastline. In fact, in the past five years all 50 states have experienced floods, and at least one in four businesses that shuts down from a natural disaster never reopens.