About Us

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Madison Mutual is a local, Upstate New York insurance company that has been committed to quality for well over a century! Our name is derived from our home and place of origin – Madison County, NY.

The Madison-Onondaga Mutual Fire Insurance Company was formally incorporated in 1893 to insure local farmers and business owners against fire and lightning. Two families were prominent in the organization of the company: the Gates and the Bulls.  To this day, the Gates family has always had a family member on our Board of Directors.

In 1983, Madison-Onondaga Mutual Fire Insurance Company merged with the Herkimer Cooperative Insurance Association. It was at that time the company’s name was changed to Madison Mutual Insurance Company. In 1986, Madison Mutual Insurance Company merged again with the Patrons Fire Relief Association of New Woodstock, NY.

Fast-forward to today, and Madison Mutual is a modern, innovative company with a highly knowledgeable staff.  We are proud to offer cutting-edge online quoting and policy servicing to our numerous independent insurance agency partners.  And yet, we are still a small, local and friendly company where a real person answers the telephone during business hours!  With Madison Mutual, you get the best of both worlds!