Wayne Cooperative Insurance Company

Property and Casualty Insurancewcicny.com

Wayne Cooperative Insurance Company is a policyholder-owned mutual property and casualty insurer founded in 1877, selling homeowners, landlord, farmowners, mobile home, dwelling fire, and small-commercial coverage exclusively through independent agents across upstate New York State.

Company typePrivate
Founded1877
HeadquartersClyde, United States
Headcount11–50
GTM typeB2C
OfferingServices

What Wayne Cooperative Insurance Company does

Wayne Cooperative Insurance Company (WCIC) is a policyholder-owned mutual property and casualty insurance carrier founded in 1877 and headquartered at 10267 Old Route 31, Clyde, New York. The company sells exclusively through independent insurance agents and is licensed to write business throughout New York State, excluding the five boroughs of New York City and Long Island. Its core product portfolio comprises six lines — homeowners, landlord, farmowners, mobile homeowners, dwelling farm fire, and commercial — supplemented by inland flood and identity-theath add-on coverages and a 24/7 emergency claims service staffed by on-call adjusters.

WCIC generates revenue through recurring annual insurance premiums on personal and small-commercial lines, with pricing set on a quote basis via independent agents rather than direct-to-consumer channels. Go-to-market is entirely indirect: the company is not licensed to sell direct and operates through a statewide independent agent network searchable by ZIP code, supported by a dedicated Agents Portal (agent.wcicny.com) and an active agent recruitment program. Policyholders access self-service account management, payments (credit/debit card, eCheck, mail, telephone), and policy information through the My WCIC online portal.

The company is governed by a board including long-tenured directors and operates under the leadership of President & CEO Sean P. Campbell (following the retirement of long-serving Wayne V. Rice) alongside a C-suite spanning operations/claims, consumer affairs/marketing, accounting, regulatory, and underwriting functions. Financial stability is communicated through A.M. Best, Demotech, and BBB accreditations. No external funding, M&A activity, AI/ML capabilities, or geographic expansion beyond New York State is disclosed, and headcount is reported in the 11–50 range consistent with a small regional mutual carrier.

Wayne Cooperative Insurance Company firmographics

Firmographics

Name: Wayne Cooperative Insurance Company
Legal name: Wayne Cooperative Insurance Company
Website: https://wcicny.com
Company type: Private
Founded year: 1877
Operating status: Operating
Headcount range: 11–50 employees
Short description: Wayne Cooperative Insurance Company is a policyholder-owned mutual property and casualty insurer founded in 1877, selling homeowners, landlord, farmowners, mobile home, dwelling fire, and small-commercial coverage exclusively through independent agents across upstate New York State.
Ownership category
akta.pro rank

Wayne Cooperative Insurance Company industry classification

Industry

Product category: Property and Casualty Insurance
NAICS: Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
SIC: Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
akta.pro primary industry: Homeowners Insurance (FSAJACAA)

Keywords

Property casualty insurance
Homeowners insurance
Farmowners insurance
Landlord insurance
Mobile home insurance

Where Wayne Cooperative Insurance Company is headquartered

Location

Headquarters

HQ city: Clyde
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Wayne Cooperative Insurance Company business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

Insurance Premiums: The company generates revenue through insurance policy premiums from its property and casualty insurance products including homeowners, landlords, farmowners, mobile homeowners, dwelling farm fire, and commercial coverage. Premiums are collected on a recurring basis through policy renewals and new policy acquisitions.

Pricing tiers

Model	Billing	Price
Other	Annual	Homeowners Insurance
Other	Annual	Landlord Insurance
Other	Annual	Farmowners Insurance
Other	Annual	Mobile Homeowners Insurance
Other	Annual	Commercial Insurance
Other	Annual	Inland Flood Coverage

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Wayne Cooperative Insurance Company product offering

Product offering

Core offering

Wayne Cooperative Insurance Company underwrites and sells property and casualty insurance products to individuals, landlords, farm owners, mobile home owners, and small commercial operators in New York State. Coverage is distributed exclusively through a network of independent agents and includes homeowners, landlord, farmowners, mobile homeowners, dwelling farm fire, commercial, inland flood, and identity theft protection policies, supported by 24/7 emergency claims service and online self-service portals.

Product overview

Wayne Cooperative Insurance Company offers a portfolio of property and casualty insurance products primarily focused on personal lines coverage. The core product lineup consists of six main insurance products: Homeowners Insurance, Landlord Insurance, Farmowners Insurance, Mobile Homeowners Insurance, Dwelling Farm Fire Insurance, and Commercial Insurance. These are complemented by two additional coverage offerings—Inland Flood Coverage and Identity Theft & Fraud Recovery. The company operates exclusively through independent agents throughout New York State and provides digital self-service through a Policyholder Account Portal for online payments and account management, and an Agents Portal for independent agent representatives.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

24-hour claims adjuster contact guarantee after notice of claim

Companies that use Wayne Cooperative Insurance Company

Customer profile

Segments6 records

Ideal customer profiles5 records

Wayne Cooperative Insurance Company technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Wayne Cooperative Insurance Company partnerships and signals

Strategic signal

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Wayne Cooperative Insurance Company competitors and assessment

Company assessment

Direct peers

Merchants Insurance Group: Merchants is a regional P&C carrier headquartered in Buffalo, NY, distributing through independent agents across the Northeast. Its personal-commercial product mix and upstate NY orientation align with Wayne Cooperative's market focus.
NYCM Insurance: New York Central Mutual is a New York-focused mutual P&C insurer with a comparable agent-distributed model and multi-line personal and commercial coverage. Its upstate NY footprint, mutual ownership, and product breadth make it the closest structural peer to Wayne Cooperative.
Dryden Mutual Insurance Company: Dryden Mutual is a small New York State mutual P&C insurer serving rural and small-town policyholders through independent agents. Its cooperative-style model, upstate concentration, and personal-lines focus closely mirror Wayne Cooperative's positioning.
Preferred Mutual Insurance Company: Preferred Mutual is a New York-based regional mutual P&C carrier selling personal and commercial lines through independent agents in NY and adjoining states. Comparable in mutual structure, agent distribution, and small-to-mid-market customer profile.
Utica National Insurance Group: Utica National is a New York-domiciled mutual P&C insurance group offering personal, commercial, and specialty coverages through independent agents. Its mutual ownership and NY-centric underwriting make it a relevant direct comparable despite its larger scale.

Broad incumbents

Erie Insurance: Erie Insurance is a large multi-line P&C carrier operating through exclusive and independent agents across the Mid-Atlantic and Northeast. While far larger, it competes for the same personal-lines and small-commercial households in Wayne Cooperative's territory.
Hanover Insurance Group: The Hanover is a regional P&C insurer offering personal and commercial lines through independent agents in the Northeast and Midwest. Its agent channel, small-commercial focus, and regional Northeast footprint overlap with Wayne Cooperative's go-to-market.

Regional players

Plymouth Rock Assurance: Plymouth Rock is a Northeast regional P&C carrier selling homeowners and auto primarily in NY and adjacent states through agents and direct channels. It competes for similar small-business and personal-lines customers in upstate NY.
Narragansett Bay Insurance Company: Narragansett Bay is a Northeast regional P&C carrier focused on coastal and small commercial risks via independent agents. While its core geography skews toward southern New England, it competes for the same small commercial and rental-property risks.

Emerging players

Patriot Insurance Company: Patriot Insurance is a regional P&C carrier focused on small commercial and personal lines in the Northeast. Its emphasis on non-standard and small-business risks overlaps with Wayne Cooperative's farm, landlord, and small-commercial niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

Wayne Cooperative Insurance Company financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Wayne Cooperative Insurance Company leadership team

Management profile

Number of profiles

Profiles17 records

Wayne Cooperative Insurance Company funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Wayne Cooperative Insurance Company M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wayne Cooperative Insurance Company

What does Wayne Cooperative Insurance Company do?

Is Wayne Cooperative Insurance Company a public or private company?

Wayne Cooperative Insurance Company is a private company. It is classified as unknown and is currently operating.

When was Wayne Cooperative Insurance Company founded?

Wayne Cooperative Insurance Company was founded in 1877. It employs 11 to 50 people.

Where is Wayne Cooperative Insurance Company based?

Wayne Cooperative Insurance Company is headquartered in Clyde, United States, in the North America region.

How does Wayne Cooperative Insurance Company make money?

One revenue line is on record: insurance Premiums.

Who are Wayne Cooperative Insurance Company's main competitors?

Direct peers on record are Merchants Insurance Group, NYCM Insurance, Dryden Mutual Insurance Company, Preferred Mutual Insurance Company and Utica National Insurance Group. Broad incumbents are Erie Insurance and Hanover Insurance Group. Regional players are Plymouth Rock Assurance and Narragansett Bay Insurance Company. Patriot Insurance Company is listed as an emerging player.

Does Wayne Cooperative Insurance Company have an API?

No public API is recorded for Wayne Cooperative Insurance Company.

What industry is Wayne Cooperative Insurance Company in?

Wayne Cooperative Insurance Company's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJACAA, Homeowners Insurance. Its NAICS code is 524126 and its SIC code is 6331.