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    Municipal and Fire Company Insurance

    We count on you to keep our hometowns safe and running smoothly. You can count on us for your insurance.

    Municipal and Fire Company Insurance from the Ryan Agencies


    Whether a county, city, town, village or other organization, The Ryan Agency has specialty programs designed just for your municipality. We also have access to custom programs for fire departments.


    Municipalities and fire companies are generally written through an insurance company that specializes in that type of organization. Their packages include coverages such as:


    • Property Coverage
    • Crime Insurance
    • Liability Coverage including:
    • General Liability
    • Management Liability
    • Employee Benefits Liability
    • Employee Practices Liability
    • Public Officials Liability
    • Umbrella Liability
    • Commercial Auto


    The Ryan Agency insures numerous local municipalities and fire companies. We would count it a privilege to partner with yours.



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    A Business, A Legacy, A Long-Lost Sign

    March 11, 2025
    The year 1962 was marked by historic events—from the Cuban Missile Crisis to the passing of Marilyn Monroe. But while the world focused on these headlines, Lee A. Ryan was working alongside his brothers on my grandparents' farm when an unexpected opportunity arose—an invitation to join the insurance business. With no prior experience, no clients, and limited resources, my dad took a leap of faith and partnered with Nationwide Insurance to start an agency from scratch. Operating out of his home on Karr Valley Road in Almond, NY, he built his business one relationship at a time (some of whom are still clients!), laying the foundation for what would become a lasting legacy.
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    By Jeff Ryan • February 3, 2025
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
    Many don’t realize that the insurance industry is one of the country's most regulated business segme

    How is the insurance industry held accountable to protect policyholders?

    By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU • January 21, 2025
    Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
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