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Insuring all you Value


Getting the complete coverage you need is no accident. Request a quote today.


When it comes to writing policies that protect you over time, we’re right at home.

Recreational Vehicles

Get out there and have fun. We’ll make sure no worries stand in your way.

Commercial Business

No matter what your business is, being here to insure all you value is ours.


After more than 85 years of excellence, the right choice for insurance is public knowledge.

Manufactured Housing Dealers & Communities

Peace of mind can’t be manufactured. Turn to our Manufactured Housing Division for help.

Administrative Relief Technology

Choices, Private Exchange, compliance, technology and streamlined administration of all your employee BeneFITs in one easy-to-use, secure website.

Compliance Management

Healthcare reform, compliance and education training can help ensure the protection of your company and your employees.

Employee Health Improvement

Employees are your company’s biggest asset. Wellness fosters presenteeism, improves productivity and creates a happier, healthier workforce.

Student Property

You value your personal property. Now learn how you can protect it. Get a quote today.


Keeping you in the classroom and protecting your well-being, on campus and off.


Worldwide coverage for every study-abroad experience

Loss Prevention Solutions

Don’t react to losses – avoid them altogether. Work with us to learn how.

Environmental Management Solutions

Through experience and relationships, we’ve created the perfect environment to help with liability and risk.

Claim Advocacy

Let our experts help keep your workers’ comp claims – and your costs – under control.


From cars to homes to toys, if you can buy it, we can insure it. Get a quote today.


When it comes to your business, we’re more than an insurer – we’re your trusted advisor.


For student health, personal property or specialty insurance, we’re always the smart choice.

Patrick D. Salvador

P.E. , Director Risk Management Consulting

Pat Salvador is a Professional Engineer with more than 28 years of progressive risk management experience in general industry, construction, and consulting. Pat offers a strong compliance track record and extensive hands-on experience developing and implementing environmental, health & safety (EHS) management systems consistent with ISO 14001, OHSAS 18001, ANSI-Z10, and OSHA VPP requirements. Pat applies his diverse technical background and knowledge of six-sigma processes to help clients establish risk priorities, analyze EHS impacts, and create sustainable process improvements.

Pat’s experience includes providing leadership to multi-functional teams to implement EHS management systems with a focus on developing strategies to achieve excellence, improve business metrics, and reduce costs. Pat has written dozens of safety procedure manuals, conducted hundreds of training events, performed regulatory compliance audits, and coordinated the development of job safety plans in manufacturing facilities and on construction projects. Pat also has the technical expertise to provide clients with strategic environmental planning, storm water pollution prevention, and remediation engineering, multi-media permitting, fuel/chemical spill reporting and cleanup and process safety management.

Pat has a Bachelor’s Degree in Civil Engineering from Union College and a Master’s Degree in Engineering Management from Syracuse University. Pat is a licensed professional engineer in New York State, a certified six-sigma greenbelt, and an authorized OSHA outreach trainer for general industry. Pat is a member of the Air & Waste Management Association, the National Society of Professional Engineers, and the American Society of Safety Engineers.

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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