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Other & Specialty Insurance

The classic in the barn, the collection in the case, the dog on the couch, the apartment in between houses, the wedding on the calendar: Eastern Shore Insurance Agency covers the things standard policies were not built for.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Not everything fits a standard policy

Specialty coverage protects the things standard policies overlook.

The '67 in the garage deserves better than book value.

Classic car coverage insures it at an agreed value you set together.

A kitchen fire two floors down fills your apartment with smoke.

Renters insurance covers your belongings and living costs.

A vendor cancels two weeks before the wedding.

Special event coverage protects the deposits and the day.

What Other & Specialty Insurance Covers

A tour of the specialty coverages we place most often:

Classic and collector car

Agreed value, flexible usage, and rates that respect low mileage.

Collectibles and valuables

Jewelry, art, firearms, and collections scheduled above the small limits in a home policy.

Pet insurance

Veterinary costs for the family member with four legs.

Renters insurance

Belongings and liability for a surprisingly small monthly cost.

Special events

Weddings and gatherings, including cancellation and host liquor liability.

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Who Needs Other & Specialty Insurance Coverage

Some things do not fit the standard boxes, and the standard limits do not do them justice.

Classic and collector car owners

Agreed value instead of depreciated book value.

Owners of jewelry, art, or collections

Home policy sub-limits are lower than people expect.

Renters

Belongings and liability for a small monthly cost.

Anyone planning an event

Weddings and gatherings need coverage of their own.

Specialty policies sit alongside your home or renters coverage, with a personal umbrella available above them.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

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  • 315-598-6000

Who Needs Other & Specialty Insurance Coverage

Some things do not fit the standard boxes, and the standard limits do not do them justice.

Classic and collector car owners

Agreed value instead of depreciated book value.

Owners of jewelry, art, or collections

Home policy sub-limits are lower than people expect.

Renters

Belongings and liability for a small monthly cost.

Anyone planning an event

Weddings and gatherings need coverage of their own.

Specialty policies sit alongside your home or renters coverage, with a personal umbrella available above them.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Where specialty coverage fits

Not sure whether something needs its own policy? That is a two-minute phone call.

Specialty policies

Purpose-built coverage for specific things and moments.

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Home

Good general protection, but with sub-limits on valuables and no event coverage.

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Personal Umbrella

Extra liability that can sit above renters and home policies alike.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Other & Specialty Insurance FAQs

Quick answers to common questions from our clients.
Usually the price of a couple of takeout orders per month, for coverage of everything you own plus personal liability. Many landlords require it; everyone renting should want it.
Only up to small sub-limits, often around $1,500 for theft. Scheduling the ring or the collection insures it at appraised value with broader protection, typically for a modest premium.
Agreed value instead of depreciated book value, usage tailored to shows and Sunday drives, and pricing that reflects how the car actually lives. Regular auto policies do collectors no favors.
Whenever a venue requires it, and whenever deposits are large enough to hurt. Cancellation coverage and host liquor liability are the two pieces that matter most; we will size both to the event.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

Home

Protection built for Central New York homes.

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Auto

Coverage for every driver in the house.

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Personal Umbrella

An extra layer above everything else.

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Recreational Vehicle

Coverage for boats, sleds, and everything fun.

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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