North Country Insurance
- Company typePrivate
- Founded1877
- HeadquartersWatertown, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What North Country Insurance does
North Country Insurance Company (NCIC) is a private mutual/cooperative property and casualty insurer domiciled in Watertown, New York. Founded in 1877 as the Jefferson County Patrons Fire Relief Association, the company has grown through a series of mergers and acquisitions to serve individual homeowners, landlords, and small commercial policyholders across 40+ New York State counties. Its product portfolio centers on property and liability insurance, augmented by specialty add-on coverages including identity theft protection (up to $10,000 with bundled Identity Theft 911 resolution services) and mechanical breakdown coverage offered in partnership with Mutual Boiler Re.
The company operates a technology stack anchored by policyholder and agent web portals (portal.ncins.com) powered by Horizon Systems & Services, with InvoiceCloud handling billing and autopay. Underwriting and risk evaluation are supported by online surveys for owner-occupied, landlord, contractor, and commercial risks, and claims can be filed online or by phone. Distribution is conducted exclusively through a network of 178 independent insurance agents and agencies across New York State, including AAA Members Ins Agcy, AAA Northway Insurance Agency, AssuredPartners Northeast, USI Insurance Services, Smith Brothers Insurance, Hughson & Benson Associates, and OneGroup NY. Marketing is supplemented by Facebook and Twitter presence and an online resource center of safety-tip content.
North Country Insurance generates revenue through recurring insurance premiums collected from policyholders. Pricing is not publicly disclosed for most products, though identity theft coverage is offered at a stated minimum cost with annual billing. The company holds an A.M. Best secure rating (upgraded with outlook revised to stable) and is governed by a policyholder-elected board. Corporate operations were consolidated at the Watertown headquarters in September 1999.
North Country Insurance firmographics
Firmographics- Name
- North Country Insurance
- Legal name
- North Country Insurance Company
- Website
- https://ncins.com
- Company type
- Private
- Founded year
- 1877
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
North Country Insurance industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Commercial General Liability (CGL) (FSAJADAA)
- akta.pro secondary industry
- Network Security & Privacy Liability (Third-Party) (FSAJAOAE)
Keywords
Where North Country Insurance is headquartered
LocationHeadquarters
- HQ city
- Watertown
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
North Country Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: North Country Insurance generates revenue through the collection of insurance premiums from policyholders across multiple coverage types including property insurance, liability coverage, identity theft coverage, and mechanical breakdown coverage. Policies are sold and managed through a network of independent insurance agents in New York State.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Identity Theft Coverage - up to $10,000 coverage |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
North Country Insurance product offering
Product offeringCore offering
North Country Insurance is a property and casualty mutual insurance carrier selling personal and commercial property, liability, identity theft, and mechanical breakdown coverage to policyholders across New York State. Policies are issued through a network of approximately 178 independent insurance agents, with policy administration, billing, and claims supported by online self-service portals.
Product overview
North Country Insurance is a property and casualty insurance company offering insurance products and digital services. Core offerings include Identity Theft Coverage (with up to $10,000 coverage plus resolution services) and Mechanical Breakdown Coverage (through Mutual Boiler Re partnership). The company provides a Consumer Portal for policyholders to manage billing, claims, and policies. Additional digital services include Online Risk Evaluation Surveys for underwriting purposes, Safety Tips and Educational Resources in PDF format, and an Agent Locator directory. Claims can be filed online or by phone. The company serves policyholders across New York State through a network of independent insurance agents.
Differentiator
Problem solved
Functional benefit
Products and services
- Property Insurance Core property insurance coverage for homeowners, landlords, and commercial property owners in New York State, covering losses such as fire, water damage, and other property risks. Issued through local independent agents.
- Liability Insurance Liability coverage bundled with property insurance for personal and commercial policyholders, addressing claims arising from covered liability exposures.
- Identity Theft Coverage Identity theft insurance providing up to $10,000 of coverage for costs associated with identity theft, combined with unlimited one-on-one fraud specialist resolution services from Identity Theft 911, document recovery, and free credit monitoring for victims. Available to policyholders and household family members (or commercial employees).
- Mechanical Breakdown Coverage Mechanical breakdown coverage offered in partnership with Mutual Boiler Re to protect against failures of mechanical equipment and systems. Available to policyholders through their local North Country Insurance agent.
Quantifiable outcome
- Up to $10,000 of identity theft insurance coverage for a minimum cost, plus free unlimited one-on-one identity theft resolution assistance
- +1 more outcomes
Companies that use North Country Insurance
Customer profileSegments3 records
Ideal customer profiles4 records
North Country Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
North Country Insurance partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Identity Theft 911coreNorth Country Insurance has partnered with Identity Theft 911 to provide identity theft coverage and restoration services to policyholders. The partnership offers up to $10,000 of identity theft insurance coverage plus unlimited one-on-one personal fraud specialist assistance from Identity Theft 911 at no additional charge. Services include proactive theft prevention, identity theft resolution, document recovery, and one year of free fraud monitoring of 1,000 public record databases plus free credit monitoring for victims.
- Mutual Boiler ReminorNorth Country Insurance has teamed up with Mutual Boiler Re to offer mechanical breakdown coverage to policyholders. The partnership provides coverage for mechanical equipment breakdowns as part of NCIC's product portfolio. Further information is available through agents.
Scale indicators3 records
Recent moves11 records
Expansion highlights4 records
North Country Insurance competitors and assessment
Company assessmentDirect peers
- Utica National Insurance Group: New York-based mutual insurance group writing personal and commercial P&C coverage through independent agents across the Northeast. Most directly comparable to North Country Insurance on domicile, mutual structure, independent-agent distribution, and product mix.
- NYCM Insurance: Edmeston, NY-based mutual P&C insurer writing homeowners, auto, and small commercial coverage across New York. Comparable to North Country Insurance on regional NY focus, mutual structure, and independent-agent distribution.
- MMG Insurance: Presque Isle, ME-based regional mutual P&C insurer writing personal and small commercial lines in northern New England through independent agents. Highly comparable to North Country Insurance on small mutual, regional, agent-distributed P&C positioning and northern/rural market focus.
- Main Street America Insurance: Jacksonville, FL-based mutual P&C insurance group writing personal and small commercial lines through independent agents across the eastern U.S. Comparable to North Country Insurance on mutual/cooperative structure and regional, agent-distributed P&C focus.
- Donegal Group: Marietta, PA-headquartered regional property and casualty insurance holding company writing through independent agents in the Mid-Atlantic and Midwest. Comparable to North Country Insurance on regional mutual P&C positioning and independent-agent distribution model.
- Merchants Insurance Group: Buffalo, NY-based regional P&C insurer writing personal, commercial, and specialty lines across the Northeast through independent agents. Comparable to North Country Insurance on NY regional focus, independent-agent distribution, and small mutual-style scale.
Broad incumbents
- Erie Insurance Group: Large regional mutual P&C insurer based in Pennsylvania with a strong independent-agent distribution model in the Northeast and Mid-Atlantic. Comparable to North Country Insurance on mutual structure and agent-based distribution, but materially larger in scale and product breadth.
- Selective Insurance Group: Branchville, NJ-headquartered mid-Atlantic P&C insurer writing standard commercial, personal, and excess & surplus lines through independent agents. Comparable to North Country Insurance on agent-distributed regional P&C, but at a meaningfully larger scale.
- Hanover Insurance Group: Worcester, MA-based P&C insurer writing personal and commercial lines through independent agents in the Northeast, including New York. Comparable to North Country Insurance on regional Northeast P&C focus and agent distribution, but materially larger and publicly listed.
Regional players
- Plymouth Rock Assurance: Northeast-focused personal lines P&C carrier writing homeowners and auto through independent agents and direct channels in the Northeast, including New York. Comparable to North Country Insurance on regional NY homeowner focus, but a private-equity-backed, multi-line operation with broader scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
North Country Insurance social profiles
Digital presenceNorth Country Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
North Country Insurance leadership team
Management profileNumber of profiles
Profiles11 records
North Country Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
North Country Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about North Country Insurance
What does North Country Insurance do?
North Country Insurance is a property and casualty mutual insurance carrier selling personal and commercial property, liability, identity theft, and mechanical breakdown coverage to policyholders across New York State. Policies are issued through a network of approximately 178 independent insurance agents, with policy administration, billing, and claims supported by online self-service portals.
Is North Country Insurance a public or private company?
North Country Insurance is a private company. It is classified as unknown and is currently operating.
When was North Country Insurance founded?
North Country Insurance was founded in 1877. It employs 11 to 50 people.
Where is North Country Insurance based?
North Country Insurance is headquartered in Watertown, United States, in the North America region.
How does North Country Insurance make money?
One revenue line is on record: insurance Premiums.
Who are North Country Insurance's main competitors?
Direct peers on record are Utica National Insurance Group, NYCM Insurance, MMG Insurance, Main Street America Insurance, Donegal Group and Merchants Insurance Group. Broad incumbents are Erie Insurance Group, Selective Insurance Group and Hanover Insurance Group. Plymouth Rock Assurance is listed as a regional player.
Does North Country Insurance have an API?
No public API is recorded for North Country Insurance.
What industry is North Country Insurance in?
North Country Insurance's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJADAA, Commercial General Liability (CGL), with a secondary code of FSAJAOAE, Network Security & Privacy Liability (Third-Party). Its NAICS code is 524126 and its SIC code is 6331.