Insurance in Oswego County, New York

Our main office has been on Cayuga Street in Fulton for years, and most of the county is a short drive from it. Coverage for the homes, businesses, and municipalities between the river and the lake

The Fulton office

Eastern Shore Insurance Agency

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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.

Who We Work With

What are you looking to cover?

Whether you’re protecting your home, your business, or your community, we’ll help you find the right coverage for life in Oswego County.

For your home and family

Home, auto, flood, and the camps and boats that come with living here.

For your business or municipality

Liability, property, workers’ compensation, fleet, and the certificates your contracts ask for.

Across The County

Serving communities throughout Oswego County

From the river to the lake and everywhere in between, we’re proud to help individuals, businesses, and municipalities across Oswego County.

Along the river

On the lake

The southern and western towns

Covering the northern end of the county? Our Pulaski office serves Pulaski, Sandy Creek, Richland, and the Tug Hill communities.

Local Conditions

The risks that come with living and working here

Oswego County’s location on Lake Ontario and the Oswego River creates unique risks for homes, businesses, and seasonal properties.

Lake-effect snow and roof load.

Oswego County sits directly downwind of Lake Ontario, and the snow totals that produces are a property underwriting factor rather than a talking point. Roof collapse, ice damming, and the water damage that follows a thaw are claims we see every year.

Flood Risk and coverage gaps.

The Oswego River corridor and the Lake Ontario shoreline both carry flood exposure, and high-water years have reached properties that had never taken water before. Flood is excluded from homeowners and commercial property policies, which catches people who assumed otherwise.

Aging buildings and code risks.

A lot of the county’s commercial and residential buildings predate current code. After a covered loss, the cost of bringing a building up to code is its own coverage question, and it is one worth answering before the loss rather than after.

Seasonal and shoreline property.

Camps, cottages, and seasonal properties along the lake and the river are rated differently than year-round homes, and the difference matters at claim time.

What We Write

Business insurance

General liability, property, workers’ compensation, and commercial auto for local employers.

Home insurance

Built for Central New York winters and the buildings that have stood through them.

Flood insurance

The coverage your homeowners policy excludes, written for the river corridor and the lakeshore.

Auto insurance

Coverage for every driver in the house.

Public entity insurance

For the towns, villages, and districts across the county.

Local Industry

Built for the way Oswego County works

Manufacturing

Contractors

Municipalities

Public & Private Education

Farms & Ranches

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Local People. Real Experience.

The people you will actually talk to

“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

Something happen?

Frequently Asked Questions

Oswego County FAQs

Quick answers to common questions from Oswego County residents and business owners.

Do I need flood insurance in Oswego County?

It depends on where you sit. Properties along the Oswego River and the Lake Ontario shoreline carry real flood exposure, and standard homeowners and commercial property policies exclude it. High-water years have reached properties outside mapped flood zones, so the map is a starting point rather than an answer. We will tell you honestly whether you need a policy.

Does my homeowners policy cover damage from snow and ice?

Usually, for things like roof collapse under snow load and the water damage that follows. Ice damming is where it gets less certain, and gradual leaks and maintenance-related damage are generally excluded. Worth reviewing your policy before February rather than during it.

Is my camp or seasonal property covered under my homeowners policy?

Generally not. Seasonal and secondary properties are rated and written differently than a primary residence, and assuming your main policy extends to a camp is a common and expensive mistake.

Can I switch agencies in the middle of a policy term?

Yes. Changing the agency that services your policy does not require cancelling it or waiting for renewal, and in many cases the policy and the carrier stay exactly as they are. We will look at what you have now and tell you whether changing anything is actually worth doing.

Local Service Areas

Nearby service areas

Northern Oswego & Tug Hill

Cities, towns and rural communities across Northern Oswego and Tug Hill.

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Syracuse & Onondaga County

Serving Syracuse and surrounding communities in Onondaga County.

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