Gates-Cole Associates

Gates-Cole Insurance is an independent insurance agency in NY representing over 45 regional and national insurance companies. We have over 50 employees in our eleven locations throughout Central New York. We believe in providing exceptional service to our customers while reviewing policies, assisting with claim procedures and explaining coverage options.

Car insurance typically offers 4 different coverages for you and your family if you sustain a loss by someone who carries no insurance or lower limits than you do. These 4 basic coverages are required by the State of New York if you want to register a vehicle. The State of New York is what they call a No-Fault state and all that means is no matter who is at fault, in the accident, your policy pays your medical bills and their policy pays their medical bills.So with that being said, NY Auto Insurance is meant to protect you in the event that you cause injury or damage to others due to an auto accident.

With homeowners insurance in New York, we are faced with threats from earthquakes and floods, both of which are excluded under the standard homeowners NY policy. Earthquake coverage can be added to your home policy, while flood insurance cannot. Flood insurance is a federally regulated program, and coverage must be written on a separate policy.

At Gates-Cole Insurance, we insure all types of "Main Street" businesses such as offices, retail shops, restaurants, contractors, auto repair, etc. We also insure volunteer fire departments, municipalities and volunteer ambulances. We can write the property, liability, Directors and Officers, Errors and Omissions and professional liability coverages for profit and non profit entities.