• Property
  • General Liability
  • Automobile (Owned & Non Owned)
  • Crime
  • Bonds
  • Inland Marine
  • Errors and Omissions / Professional Liability
  • Public Officials & Management
  • Cyber Liability
  • Privacy Crisis Management Expense
  • Employment Practices Liability
  • Employee Benefits Liability
  • Law Enforcement Activity Liability
  • Excess Liability (Umbrella)
  • Workers Compensation
  • Dental
  • Vision


Specialty programs are traditionally packaged policies, that are specific to meet the needs of each individual organization.  Packaged policies allows us to provide broader coverage, while limiting out of pocket costs.  

Program includes Hospice, Home Healthcare and Senior Living Facilities.  

These organizations include Skilled Nursing Facilities, Assisted Living Facilities, Continuous Care Retirement Communities, Hospices, Home Healthcare Agencies and healthcare agencies providing domestic services or "home aide providers.”

 One area that sets our program apart from our competition is our ability to offer Medical Malpractice coverage for physicians.  Although we do not offer individual policies, we do include physicians as Additional Insureds under our Hospice and Home Healthcare Liability Coverage policy while they are working on behalf of the hospice or home healthcare agency. However, each physician must be specifically endorsed by name on each policy for coverage to apply. ​

Water Districts-



We currently provide coverages underwritten by A+ rated carriers that offer;

** Many Educational Institution programs are complimented with Discounted Workers Compensation Programs.  

Educational Institutions-**

Customized coverage for the Municipal Sector, including Cities, Towns, Townships, Boroughs and Villages, with a population up to 75,000.  

​Religious Organizations-

​One of the largest insurance programs in the United States, for entities that treat, store or distribute water.  This program currently includes Sewer Districts. ​

Hubbinette-Cowell Associates, Inc.

 Specialized insurance coverage available for churches, synagogues and

 other religious organizations.

​Senior Living Program-


  • ​Pre-K through 12th Grade Public Schools
  • Private and Select Religious Schools
  • Community Colleges/Junior Colleges
  • Not for Profit Vocational Schools
  • Charter Schools ​