Country-Wide Insurance Company
Country-Wide Insurance Company is a family-owned New York property and casualty insurer founded in 1963, serving roughly 50,000 personal auto, commercial auto, and trucking policyholders across downstate New York through hundreds of independent neighborhood brokers.
- Company typePrivate
- Founded1963
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Country-Wide Insurance Company does
Country-Wide Insurance Company is a family-owned property and casualty insurer incorporated in New York State in December 1963 and headquartered at 40 Wall Street, New York City. The company underwrites private passenger automobile insurance as its core product, supplemented by commercial auto policies for artisan contractors (plumbers, painters, electricians) and trucking policies for goods-hauling business owners operating primarily within the New York, New Jersey, and Connecticut tri-state area. Country-Wide distributes its products almost entirely through hundreds of independent neighborhood insurance brokers across downstate New York, emphasizing face-to-face, multilingual service to the metropolitan area's diverse customer base. The company serves approximately 50,000 policyholders and employs more than 250 staff, having grown from 35 employees roughly 25 years ago.
The business model is straightforward subscription/recurring: full one-year auto policies with locked-in rates, paid via annual or installment schedules, with multiple payment methods (credit card, debit card, check, cash, electronic fund transfer) and an automatic payment plan. Pricing is not publicly disclosed, but the company positions itself on competitive rates and expense efficiency. The customer base is highly fragmented — individual auto owners, small artisan contractors, and small trucking operators — with no enterprise or anchor contracts, yielding low customer concentration risk.
On the technology side, Country-Wide is in the early stages of a significant digital transformation. In March 2026 the company announced a partnership with Duck Creek Technologies to deploy Duck Creek OnDemand as its core cloud platform, with Duck Creek Clarity providing a cloud-native data and analytics layer integrated with Snowflake. The Clarity platform unifies policy, billing, and claims data with external sources for real-time enterprise decision-making, and Duck Creek's Active Delivery model provides continuous software updates without major upgrade cycles. This modernization is paired with a digital self-service portal for payments, account management, and claims filing, and a multilingual payment experience (English, Chinese, Spanish) — all supplementing, rather than replacing, the broker-led distribution model that remains the company's primary go-to-market.
Country-Wide Insurance Company firmographics
Firmographics- Name
- Country-Wide Insurance Company
- Legal name
- Country-Wide Insurance Company
- Website
- https://cwico.com
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Country-Wide Insurance Company is a family-owned New York property and casualty insurer founded in 1963, serving roughly 50,000 personal auto, commercial auto, and trucking policyholders across downstate New York through hundreds of independent neighborhood brokers.
- Ownership category
- akta.pro rank
Country-Wide Insurance Company industry classification
Industry- Product category
- Auto Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
Keywords
Where Country-Wide Insurance Company is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Country-Wide Insurance Company business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Auto Insurance Premiums: Property and casualty insurance premiums for private passenger automobiles, offering full one-year policies with locked-in rates and installment payment options
- Commercial Auto and Trucking Insurance: Commercial auto policies for artisan contractors and trucking policies for business owners that haul goods, typically operating within the tri-state area of New York, New Jersey, and Connecticut
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Full one-year auto policies with locked-in rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Country-Wide Insurance Company product offering
Product offeringCore offering
Country-Wide Insurance Company underwrites and distributes private passenger automobile insurance and commercial auto and trucking insurance policies in downstate New York and the surrounding tri-state area. Policies are full one-year contracts with locked-in rates, sold through a network of hundreds of independent neighborhood brokers who provide multilingual, face-to-face service, with digital self-service available for payments and account management.
Product overview
Country-Wide Insurance Company offers a focused portfolio of property and casualty insurance products, primarily serving private passenger and commercial automobile insurance needs in downstate New York. The company's product lineup centers on two core offerings: Car Insurance (personal auto policies satisfying New York State minimum requirements with optional coverages) and Truck Insurance (commercial auto policies and trucking policies). Products are distributed through hundreds of independent neighborhood insurance brokers, providing face-to-face service to customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Car Insurance Private passenger automobile insurance policies for New York State drivers, including required minimum liability coverage with optional collision and comprehensive coverages. Sold as full one-year policies with locked-in rates and installment payment options, distributed through a network of independent neighborhood brokers across downstate New York.
- Truck Insurance Commercial auto policies for artisan contractors such as plumbers, painters, and electricians, plus trucking policies for business owners hauling goods within the tri-state area of New York, New Jersey, and Connecticut, typically within a 300-mile radius. Designed to protect business assets and limit liability exposure from commercial vehicle accidents.
Companies that use Country-Wide Insurance Company
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Country-Wide Insurance Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Country-Wide Insurance Company partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Duck Creek TechnologiescoreCountry-Wide Insurance partnered with Duck Creek Technologies to deploy Duck Creek Clarity, a cloud-native data and analytics platform, as part of its digital transformation program. The platform unifies policy, billing, and claims data alongside external data sources, enabling real-time insights and improved enterprise-wide decision-making ahead of the company's 2026 go-live on Duck Creek OnDemand. Duck Creek's Active Delivery model provides continuous software updates and product enhancements without major upgrade cycles.
- SnowflakecoreDuck Creek Clarity is integrated with Snowflake's data cloud platform, enabling Country-Wide Insurance to leverage Snowflake's infrastructure for its cloud-native data management and analytics capabilities, supporting real-time insights and improved decision-making across the enterprise.
- Jaffe & Velasquez LLPminorCountry-Wide works closely with Jaffe & Velasquez LLP, a full-service law firm with specialty practice in No-Fault and first-party insurance litigation, as one of two affiliated defense law firms.
- Cheven Keely & HatzisminorCountry-Wide works closely with Cheven Keely & Hatzis, a law firm specializing in bodily-injury matters and general tort defense, as one of two affiliated defense law firms.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Country-Wide Insurance Company competitors and assessment
Company assessmentBroad incumbents
- Erie Insurance: Mid-Atlantic and Northeast regional P&C carrier with a strong independent agent distribution model — same multi-line P&C with auto as a core product, distributed through captive/independent agents comparable to Country-Wide's broker channel.
- Progressive: Second-largest US personal auto insurer with significant NY presence through direct, agent, and Commercial Lines channels — direct competitor for both personal auto and commercial auto/trucking lines Country-Wide underwrites.
- Travelers: Major national P&C carrier with significant NY presence across personal auto, commercial auto, and trucking lines — competes with Country-Wide especially in the commercial trucking/SMB segment within the tri-state area.
- Allstate: National P&C giant with strong NY personal auto market position distributed through Allstate agents — similar product mix to Country-Wide but with national scale, brand, and a recently pivoting 'digital-first' strategy.
- GEICO: Largest US personal auto direct writer — competes head-on with Country-Wide for NY personal auto customers but operates via direct/online channels rather than broker distribution; key competitive reference point for pricing and customer acquisition.
- State Farm: Largest US P&C insurer with a captive agent distribution model that closely parallels Country-Wide's neighborhood broker service model — overlapping on personal auto and competitive in the same NY metro households.
Emerging players
- Lemonade: NYC-based digital-native insurer expanding from renters/homeowners into auto — competes on the same downstate NY customers but with app-first distribution that bypasses the broker channel Country-Wide depends on.
Direct peers
- Plymouth Rock Assurance: Northeast US personal and commercial auto carrier operating in New York, New Jersey, Massachusetts, and Connecticut — directly comparable to Country-Wide on product mix (private passenger auto + commercial auto), regional broker/independent agent distribution, and small-to-mid regional carrier scale.
- Kingstone Companies: NY-headquartered small-cap P&C insurer (NASDAQ: KINS) focusing on personal and commercial lines in New York — closely aligned with Country-Wide on geographic footprint, product focus on NY auto, and small public-company scale.
- New Jersey Manufacturers Insurance Company (NJM): Mutual P&C insurer serving NJ and NY with personal and commercial auto coverage distributed through independent agents — overlapping with Country-Wide in the tri-state personal auto market with comparable mid-sized regional carrier profile.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Country-Wide Insurance Company social profiles
Digital presenceCountry-Wide Insurance Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Country-Wide Insurance Company leadership team
Management profileNumber of profiles
Profiles1 record
Country-Wide Insurance Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Country-Wide Insurance Company 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 Country-Wide Insurance Company
What does Country-Wide Insurance Company do?
Country-Wide Insurance Company underwrites and distributes private passenger automobile insurance and commercial auto and trucking insurance policies in downstate New York and the surrounding tri-state area. Policies are full one-year contracts with locked-in rates, sold through a network of hundreds of independent neighborhood brokers who provide multilingual, face-to-face service, with digital self-service available for payments and account management.
Is Country-Wide Insurance Company a public or private company?
Country-Wide Insurance Company is a private company. It is classified as family owned and is currently operating.
When was Country-Wide Insurance Company founded?
Country-Wide Insurance Company was founded in 1963. It employs 101 to 250 people.
Where is Country-Wide Insurance Company based?
Country-Wide Insurance Company is headquartered in New York, United States, in the North America region.
How does Country-Wide Insurance Company make money?
Two revenue lines are on record. Auto Insurance Premiums are the primary driver. The others are commercial Auto and Trucking Insurance.
Who are Country-Wide Insurance Company's main competitors?
Broad incumbents on record are Erie Insurance, Progressive, Travelers, Allstate, GEICO and State Farm. Lemonade is listed as an emerging player. Direct peers are Plymouth Rock Assurance, Kingstone Companies and New Jersey Manufacturers Insurance Company (NJM).
Does Country-Wide Insurance Company have an API?
No public API is recorded for Country-Wide Insurance Company.
What industry is Country-Wide Insurance Company in?
Country-Wide Insurance Company's product category is Auto Insurance. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive). Its NAICS code is 524126 and its SIC code is 6331.