Business Details
50+ Years
experience
Trusted Independent Insurance Services in Liverpool, NY
Reid & Zutant has served Central New York for over 75 years, delivering personalized insurance solutions rooted in integrity. As an independent agency, we represent multiple leading providers to ensure competitive pricing and tailored coverage for personal and business clients. Our focus on relationships fosters trust, treating each client as a friend while maintaining expertise in niche areas like Workers Compensation for auto repair garages. With same-day quote capabilities and a commitment to transparency, we uphold traditional values in a modern insurance landscape. 
Services
Auto Insurance
Homeowners Insurance
Motorcycle Insurance
Watercraft Insurance
Business Insurance
Workers Compensation
Flood Insurance
RV & Camper Insurance
Details
- Year established: 1948
Highlights and features
- 75+ years serving Central New York's insurance needs
- Independent agency representing multiple top-tier insurance providers
- Specialize in Workers Compensation for auto repair garages
- Commitment to old-fashioned value and client relationships
- Guarantee same-day insurance quotes to clients
Services
Auto Insurance
Our auto insurance policies provide customizable protection for personal vehicles, including liability, collision, and comprehensive coverage options. With access to multiple insurers, we offer competitive rates tailored to your driving profile. Our expert agents help ensure compliance with New York State requirements while maximizing your financial protection on the road.
Workers Compensation
Specialized Workers Compensation insurance focuses on auto repair businesses, ensuring compliance with state regulations and proper employee classification. We provide accurate payroll reporting and experience modification management to maintain cost-effective coverage. Our long-standing relationships with insurers deliver competitive rates and personalized service for New York businesses.
Homeowners Insurance
Custom homeowners policies protect against common risks including fire, theft, and weather damage. Our agents help identify appropriate coverage levels for primary residences and investment properties. We ensure policyholders understand limitations through clear explanations while maintaining competitive pricing through multiple carrier partnerships.
Flood Insurance
Flood insurance policies provide essential protection against rising water damage not covered by standard homeowners policies. We assist with FEMA-mandated coverage requirements and property-specific risk assessments. Our agents verify eligibility for the National Flood Insurance Program and help secure appropriate policy limits for New York properties.
RV & Camper Insurance
Specialized RV insurance protects mobile home investments with coverage for physical damage, liability, and roadside assistance. Policies accommodate both occasional and full-time RV lifestyles with flexible coverage options. We ensure proper valuation of customized units and negotiate terms matching owners' unique usage patterns and travel habits.
People
Rich Kudlick
President
Rich Kudlick leads the agency with over 40 years of insurance experience, holding the CPCU designation. He maintains client relationships through regular consultations and policy reviews. His leadership emphasizes ethical practices and continuous carrier relationship development to benefit policyholders.
Lynn Hutton
Agent
Lynn Hutton serves as dedicated insurance agent specializing in personal lines coverage. With extensive local market knowledge, she assists clients with auto, home, and recreational vehicle insurance. She prioritizes clear communication and timely service for new policies and claims processing.
Questions
How quickly can I get an insurance quote?
We provide insurance quotes within 24 hours of request through our streamlined process. Our agents prioritize timely responses while ensuring accurate policy comparisons.
Do you offer specialized business insurance?
Yes, we specialize in tailored business insurance including Workers Compensation for auto repair garages. Our commercial policies address liability, property, and industry-specific risks.
Are flood insurance requirements increasing?
Banks increasingly require flood insurance for mortgages in high-risk areas. We help verify flood zone status and secure appropriate coverage through qualified insurers.
Can I get motorcycle insurance for cross-country trips?
Our motorcycle policies provide nationwide coverage for both local riding and extended journeys. Coverage includes liability protection and physical damage coverage for long-distance travel.
Do you represent multiple insurance companies?
Yes, as independent agents we work with 15+ leading insurers including Travelers, Kemper, and Progressive. This allows us to compare multiple options for each client's specific needs.
What office hours should I expect for assistance?
Our Liverpool office operates 9:00 AM to 4:30 PM Monday through Friday. We offer after-hours emergency contact options for existing policyholders needing immediate assistance.
Reviews (1)
Peter Dodge
Dec 03, 2018
Report
I always have known about this place but did not know they offered automotive coverage. That being said, once I learned this I asked for a few quotes to see what the best route was to go. They were able to find me an insurance plan that offered way better coverage with roadside assistance and other extras for both of my trucks cheaper than the price of my current plan with just one truck and no extras! Obviously the plans are different to each person but this place really does go to bat for you when shopping the market!
