As much as we plan for life’s events, from buying our first car, planning a wedding, or buying our first home, some incidents occur that were not planned for. As much as we would love for life to go according to plan, we have to admit, life is unpredictable. We don't anticipate or expect another car to run a stop sign and T-bone our brand-new car, or for the pipe to burst and flood the basement in the middle of the night. This is why personal insurance exists. It is intended for when life unexpectedly happens that you can take it in stride and continue to go about your day, knowing your claim will be handled efficiently and professionally. That is why we wholeheartedly believe in our motto to “think ahead”. We think ahead so you can take care of what matters.
Personal Liability Insurance
Power Sports & Toys Insurance
Valuable & Collectibles Insurance
Whether you are a wholesaler, manufacturer, or construction company, and you need commercial insurance for your property, work vehicle, or an entire fleet. We will work carefully with you to make sure you have the correct coverage to keep your business running smoothly. Our flexible, scalable middle-market insurance solutions are designed to protect your business against the unique risks and exposures your company may face and will be tailormade to fit precisely to your company’s needs.
Commercial Auto / Fleet Insurance
General Liability Insurance
Inland Marine Insurance
Professional & Management Liability
Building a company from the ground up takes a lot of hard work, blood, sweat, and tears. We understand how vital your business is to you, and that choosing the right risk management program is an important decision. Whether you are a new business and are unsure about what coverages you will need, or a seasoned business owner that has been established in your community for years, and you know the multifaceted insurance policy your business requires. We are here to help you create a bespoke business insurance plan that fits your company's needs perfectly. This way you can take care of your business and employees without distressing over the “what-ifs” of life.
Business Owner's Policy
Surety & Bonds
As healthcare costs continue to grow faster than wages and the economy, many companies seek alternative methods to provide health benefits to their employees. Trustco's benefits partners can help you identify which program will meet your company's' needs and work to design and implement a fitting comprehensive, cost-effective benefits program for you and your employees. Our goal is set to design the perfect program to align with your company’s specific needs, culture, and priorities.
Life & Health Insurance
Whether you’re looking for individual health or life insurance for you or your family, we understand it can be a complex and daunting task if you aren’t sure what type of coverage you require. Let us help you! Our health and life insurance plans allow you to choose from several plan types and deductible levels, to find the best coverage for you or your family. No one wants to add that kind of stress to their loved one’s lives. Life insurance can help relieve unwanted stress. It can let you rest easy that if something were to happen to you, it can help cover funeral costs, mortgage payments, school tuition, and other possible debts that have accumulated over time.
Whether it's developing your own custom insurance solution or finding coverage for an uncommon and isolated risk, the brokers in our Specialty Division can help you find what you need. Being a Lloyd's of London tribunalized broker provides us direct access into one of the world's top specialty insurance hubs. If you are unsure, you’re familiar with Lloyd’s of London, they are the brokers that insure Taylor Swift's legs for a whopping $40 Million! Talk about specialty insurance needs. Plus, with more than 30 years’ experience managing specialty programs Trustco's agents can help you navigate through these difficult waters, and make sure you’re covered for almost anything, even your legs.
Captive & Alternative Risk
Homeowners Catastrophe Insurance Trust (HCIT)