Chautauqua Patrons Insurance Company

What Chautauqua Patrons Insurance Company does

Chautauqua Patrons Insurance Company is a mutual property and casualty insurance carrier headquartered in Jamestown, New York, operating continuously since 1877. The company underwrites and distributes a multi-line P&C insurance portfolio consisting of six core programs: Homeowner, Business Owner, Contractor, Landlord, Mobile Home Owner, and Inland Marine coverage. These products are sold to individuals and small to mid-sized businesses located throughout Upstate New York State.

The company operates as a policyholder-owned mutual rather than a stockholder-owned corporation, with profits reinvested to support competitive premium pricing for members. Distribution is conducted entirely through a network of over 180 licensed independent agents operating across more than 200 locations in Upstate New York, with no direct-to-consumer sales motion beyond a 24/7 online premium payment portal and toll-free automated payment hotline. The underlying technology stack is a conventional P&C insurance platform (an agency portal branded "INSPRO," version 5.2.0.0), with no app, public API, or proprietary AI components disclosed.

Revenue is generated through recurring insurance premiums collected from policyholders, with no public pricing tiers or rate disclosures. The company carries an AM Best financial strength rating of B++ (Good) and reports a 96.5% claim-handling satisfaction rate from policyholder surveys. With approximately 15 employees and a single-state operating geography, Chautauqua Patrons is a small, regionally concentrated mutual insurer operating in maintenance mode rather than pursuing expansion.

Name

Chautauqua Patrons Insurance Company

Legal name

Chautauqua Patrons Insurance Company

Website

https://cpins.com

Company type

Private

Founded year

1877

Operating status

Operating

Headcount range

11–50 employees

Short description

Chautauqua Patrons Insurance Company is a Jamestown, NY-based mutual property and casualty insurer, founded in 1877, offering homeowner, business owner, contractor, landlord, mobile home, and inland marine coverage to individuals and small businesses across Upstate New York through a network of over 180 independent agents.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Renters Insurance (FSAJACAB)

akta.pro secondary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• Property casualty insurance
• Homeowner insurance coverage
• Business owner insurance
• Mutual insurance company
• Independent agent distribution

Headquarters

HQ city

Jamestown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Property and Casualty Insurance Premiums: The company generates revenue through insurance premiums collected from policyholders. As a mutual insurance company owned by policyholders rather than stockholders, profits are reinvested to help keep insurance rates low for policyholders.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Chautauqua Patrons Insurance Company underwrites and distributes multi-line property and casualty insurance products in Upstate New York, including homeowner, business owner, contractor, landlord, mobile home owner, and inland marine coverage for individuals and small to mid-sized businesses. As a mutual insurer owned by policyholders, it sells through a network of over 180 licensed independent agents operating in more than 200 locations and supports them via the INSPRO Agent Portal and online/phone payment services.

Product overview

Chautauqua Patrons Insurance Company offers a unified multi-line property and casualty insurance platform distributed through a network of independent agents. The product portfolio includes six core insurance programs: Homeowner, Business Owner, Contractor, Landlord, Mobile Home Owner, and Inland Marine — each serving distinct customer segments (individuals, small businesses, contractors, and landlords) within New York State. The company operates as a mutually-based organization, meaning it is owned by policyholders rather than stockholders, with profits reinvested to maintain competitive rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowner Insurance Property insurance coverage for individual homeowners located in New York State, distributed through licensed independent agents throughout the Upstate region.
• Business Owner Insurance Property and casualty coverage for small and mid-sized businesses located in New York State, distributed through licensed independent agents throughout the Upstate region.
• Contractor Insurance Insurance program for contractors providing coverage tailored to their business operations, distributed through licensed independent agents throughout the Upstate region of New York State.
• Landlord Insurance Property insurance coverage for landlords renting residential properties in New York State, distributed through licensed independent agents throughout the Upstate region.
• Mobile Home Owner Insurance Specialized insurance coverage for owners of mobile homes in New York State, distributed through licensed independent agents throughout the Upstate region.
• Inland Marine Insurance Coverage for movable property and equipment that may be transported over land, for policyholders in New York State, distributed through licensed independent agents throughout the Upstate region.

Quantifiable outcome

• 96.5% of insured's rated claim handling as Good or Excellent

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Independent Insurance AgentscoreChannel Partner/ Reseller/ DistributorOver 180 licensed independent insurance agents located throughout over 200 locations in Upstate New York serve as the primary distribution channel for Chautauqua Patrons Insurance Company products. These agents sell homeowner, business owner, contractor, landlord, mobile home owner, and inland marine insurance policies directly to customers.

Scale indicators6 records

Recent moves4 records

Expansion highlights2 records

Direct peers

• Utica National Insurance Group: A New York-headquartered mutual P&C insurer writing personal, commercial, and specialty lines through independent agents. Comparable in mutual ownership structure, Upstate NY heritage, independent agency distribution model, and emphasis on small to mid-sized commercial accounts.
• Erie Insurance: A regional mutual P&C insurer operating primarily across the Mid-Atlantic and Northeast U.S. Like Chautauqua Patrons, Erie is policyholder-owned, distributes through independent agents, and writes personal and small commercial lines with a strong regional brand — making it the closest structural analog at greater scale.
• Stillwater Insurance Group: A regional P&C carrier writing personal and small commercial lines through independent agents in the Eastern U.S. Comparable in multi-line P&C focus, independent agency distribution, and emphasis on niche segments such as mobile homes.
• Plymouth Rock Assurance: A Northeast regional P&C carrier offering personal and small commercial lines through independent agents in New York and adjacent states. Comparable in regional Northeast footprint, multi-line product offering, and independent agency distribution model.
• NYCM Insurance: A New York-based mutual P&C carrier focused on personal lines and small commercial risks across the state. Comparable to Chautauqua Patrons in mutual structure, New York geographic focus, independent agent distribution, and multi-line homeowner/small business product set.
• Farm Family Holdings: A regional mutual P&C insurer historically rooted in the Northeast, writing personal, farm, and small commercial lines through independent agents. Comparable in mutual ownership, regional Northeast focus, and small-business/agricultural-adjacent product set.
• Main Street America Insurance: A regional mutual P&C carrier writing small commercial and personal lines through independent agents across multiple Eastern and Midwestern states. Comparable in mutual structure, small-business / homeowner product mix, and exclusive independent agency distribution.
• Tower Group Insurance: A specialty P&C carrier writing commercial and personal lines in the Northeast through specialty agents. Comparable in New York regional orientation, multi-line product offering, and reliance on independent agent distribution in underserved segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/chautauqua-patrons-insurance-company

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Chautauqua Patrons Insurance Company