About Frost-Klossner-Swan
 Frost-Klossner-Swan, Inc is a locally owned and operated independent insurance agency. As independent insurance agencies we represent several companies allowing Frost-Klossner-Swan, Inc to better serve the needs of clients. We specialize in auto, home, farm, commercial, health and life insurance packages designed to fit any unique situation. With two locations in the Southern Tier of New York, our offices in Newark Valley and Maine, have been serving the insurance needs the of community for more than 50 years.
We strive to offer our clients quality service with customer satisfaction being our top priority. Our staff of licensed agents, with over 100 years
combine experience, work to provide clients with the best coverage, value, and service. At Frost-Klossner-Swan, Inc we deliver service one policy at a time.
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Insurance Carriers
As independent agents, we have
established long term, solid relationships with some
of the top national and regional carriers in the
industry. Our experienced staff will be able to provide
comprehensive, expert insurance solutions and service.
For you, our client, this provides competitive pricing,
coverage options, and peace of mind that the company
providing your insurance coverage meets our standards.
- Allstate
- Broome Co-operative
- Central Co-operative
- Countryway Insurance
- Eastern Mutual
- Erie & Niagara Insurance
- Farmers
- Finger Lakes Fire & Casualty
- Foremost
- GMAC
- Main Street America Group
- Midrox Insurance
- New York Mutual
- North County Insurance
- Preferred Mutual
- Progressive
- Sterling
An Independent Advantage
We are independent agents, free to choose the best
carrier for your insurance needs. We do not work for
an insurance company; we work for you. We work on your
side when you have a loss and follow through to see
that you get fair, prompt payment and service. Frost-Klossner-Swan represents a carefully selected group
of financially strong, reputable insurance companies,
therefore, we are able to offer you the best coverage
at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn't purchase
the first one you see. What if one day the automobile
industry decided to make only one type of car, one
make and one model. You wouldn't have a choice!
The
same situation holds true for insurance. You need
insurance to drive a car, to purchase a house, to
protect your family's financial future and to run
a small business. But if there was only one insurance
company that offered only one type of insurance, car
insurance, home
insurance or businessowner policy -- you wouldn't
have a choice. The only solution would be going
to that one company.
With an independent insurance agent, you have choices.
Independent agents are not tied to any one insurance
company. One of the advantages of using an independent
agent is that he or she works to satisfy your needs.
You are using an expert for an important financial decision.
An independent agent has several companies that he
or she can approach to get you the best coverage at
the best price. And your independent agent will know
the companies with the most efficient claims departments
to recover your losses as quickly as possible.
When you buy insurance, whether it's for your home,
your car or your business, you want an advocate who
will properly assess the risks you face and give you
an objective analysis of the marketplace, it's up to
you to make the final choice.
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