Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
Joy Insurance Agency Inc.
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Joy Insurance Agency Inc.

Independent Insurance Agent in Middletown, NY

About us

Superior Service at the Best Value

Joy Insurance Agency is an independent insurance agency, proudly offering a broad range of Personal, Commercial, and Life Insurance products. Our agency was awarded "The Reader's Choice Award" by the Times Herald Record's survey, which is a true testament to our commitment to our community. We are proud of the the professional and pleasant service offered to our clients by our trained staff of caring insurance experts. As a third-generation, family-owned and operated business, we take pride in delivering the best value on insurance in the Hudson Valley.

Whether you're a business or an individual, we'll take the time to review your operations and your individual needs in order to protect your assets. We will identify your claims exposures, and suggest appropriate programs to specifically address your individual protection needs. Since we represent a variety of top-rated insurance companies we can assure you a competitive program coupled with fast and fair claims service. Our clients enjoy enhanced coverage plans for their families and their businesses which not only saves money at the time of a claim, but also presents a competitive value in regards to insurance cost.

Personal Insurance - ATV, Auto, Home, Boat, Flood, Condo, Pet, Mobile, Rental, Umbrella, Motorcycle, earthquake, collector car, Motor Home, SR-22, Valuable items.

Business Insurance - Brewery, Business Owners Package, Commercial Auto/Trucking, Restaurant & Bar, Builder's Risk, Special Event, Winery, Technology, Liquor Liability, Wholesalers & Distributors, Auto Repair Shops, Apartment Building and Condominium Complexes.

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Joy Insurance Agency Inc.

States we serve

  • New Jersey
  • New York
  • Pennsylvania

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Home
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • RV / Motorhome
  • Renters
  • Snowmobile
  • Travel Trailer
  • Umbrella
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AmTrust Financial, Berkshire Hathaway GUARD Insurance Company, Chubb, Erie Insurance Company, Kemper Independence, Merchants Insurance Group, MetLife Auto & Home, National General Insurance (GMAC), Preferred Mutual, RPS, The Hartford

Joy Insurance Agency Inc. Team

Christopher Joy - Owner
Christopher Joy
Liam Joy - Vice President
Liam Joy
Vice President
Karen Williams - Producer
Karen Williams
Mimi Cahill - Customer Service Representative
Mimi Cahill
Customer Service Representative
Nancy Rauscher - Customer Service Representative
Nancy Rauscher
Customer Service Representative
Shawn Cahill - Customer Service Representative
Shawn Cahill
Customer Service Representative

Joy Insurance Agency Inc. Reviews

Average based on 13 reviews Leave a review

Customer Reviews

June 13, 2023

I have been using Joy Insurance for 10 plus years. The staff is amazing especially Nancy. They have been quick and easy to deal with. Whether Im calling from home, dealership or stopping by there office with any insurance modification they are quick & willing to help to assist you with joy.

June 13, 2023

Found me great rates with a reputable company. Very good experience. They deal with several different insurance companies. Found me great rates with a reputable company.

June 13, 2023

Would definitely recommend joy to friends and family. Nancy handled my new auto policy quickly and professionally. Also very polite and friendly. Saved money too! Would definitely recommend joy to friends and family.

June 13, 2023

Looking for insurance on my own was stressful. I was ready just to give up. When I reached out to Joy Insurance and was connected to one of their agents Shawn I knew my headache was over. Shawn was so helpful. He took his time to verify everything and got me the best possible rate. I couldnt be happier with the exceptional service I received. Thank you!

February 17, 2020

We have been with Joy Insurance for 6 years now. It has been a pleasure to have them handle all of our insurance needs. Many thanks to Chris, Doris, and the entire office staff for your professional and courteous manner.

February 17, 2020

We are pleased with the courteous and friendly service we always receive from Joy Insurance Company. They are reliable and always ready to help.

February 17, 2020

Each employee is knowledgeable and spends time to provide with the right coverage.

February 17, 2020

I have worked with Shirley from Joy Insurance for over 5 years. Since day one she has been so pleasant, professional and efficient. I would highly recommend this company because of her.

February 17, 2020

Each employee is knowledgeable and spends time to provide with the right coverage

February 17, 2020

Whenever we have any questions or changes - you always explain all our options so we can make informed decisions that work best for our family. Thank you for making your clients feel like we matter !


Joy Insurance Agency Inc.

Superior Service at the Best Value

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