Protect what matters



Solutions customized to your business


Group Benefits

Attract and retain a talented workforce



Confidence for your future

NBT Insurance Agency

At NBT Insurance Agency we combine the power of choice with smart, un-biased advice by working with more than 100 carrier partners to deliver customized solutions for our customers. Our friendly and experienced insurance professionals guide you through all aspects of your insurance needs. Trusted since 1894, our local teams offer capabilities on par with national brokers but with the personal attention you deserve.

Personal Insurance

Protecting what matters most to you has been the foundation of our agency for over 125 years. Working with individuals and families, our personal insurance team guides you through important conversations to build customized insurance solutions. Our diverse group of national and local carrier partners provides the expertise to insure the full spectrum of personal assets from an expanding list of modern-day risks. As a full-service agency, should you need to modify a policy or experience a loss, our responsive service and claims teams will be there to help. Protect yourself >>

Commercial Insurance

Not all businesses are the same. By building and maintaining long-term professional relationships, our commercial insurance team specializes in truly understanding your business and its risk management requirements. Our thorough due diligence process is designed to uncover your company’s unique exposures so that we can design and build a coverage architecture that protects your most valuable assets. Our local, community-based advisors have expertise in a wide variety of industry segments including agriculture, manufacturing, healthcare, public entities, and non-profit insurance programs. Explore options >>

Group Benefits

Recruiting and retaining a talented workforce has never been more important. Our advisors and their support teams are experts in designing employee benefits programs that will enhance your company culture. We also offer a robust suite of compliance and human resource administration tools to improve utilization while containing costs. Learn More >>

Life, Long-Term Care and Disability

Life insurance plays a critical role in protecting financial security for your family or your business. Together with partners at NBT Wealth Management, our team of skilled advisors will help you design customized solutions to safeguard your assets. We offer a wide range of life, long-term care, and disability insurance solutions to help meet your financial goals.

We’re here to help by offering a complimentary written analysis of your current life insurance policies. Email us to get started >>

Confidence for the future is only a click away. Quote and purchase life insurance with our partners at MyLifeApp.

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Client Resources

Already an NBT Insurance Agency customer? Links to our client resources are included below.

  • 24/7 access to your policy information
  • Critical training and compliance resources for businesses
  • Client HRIS and benefits administration software

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Investment and Insurance Products:
• Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value