Dryden Mutual Insurance Company Review

Pros, cons and info you need to know.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Dryden Mutual Insurance Company at a Glance

  • Founded in 1860
  • Offers a variety of insurance products
  • Offers coverage for individuals and businesses
  • Offers coverage for many niche businesses
  • Coverage available in New York only
  • “A” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Strong financial stability

Dryden Mutual Pros: More than 150 years of experience in the insurance industry. High ratings through A.M. Best and the BBB. Offers several insurance products in both commercial and personal lines. Strong financial stability.

Dryden Mutual Cons: No online claims reporting. Coverage only available in New York.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Types of Insurance Does Dryden Mutual Offer?

Dryden Mutual offers a variety of coverage solutions for individuals and businesses. Their products include:

  • Bakery insurance
  • Inland marine insurance
  • Seasonal business insurance
  • Small contractors liability insurance
  • Farm operations insurance
  • Fraternal club insurance
  • Secondary/seasonal home and cottage insurance
  • Student renters insurance
  • Vacant dwelling insurance
  • Small studio/in-home office insurance
  • Rented residence insurance

This list of insurance products offered by Dryden Mutual is far from extensive. Your independent insurance agent can help you decide if Dryden Mutual has the right type of coverage to best meet your needs.

What to Know about Dryden Mutual

Dryden Mutual was founded in 1860, giving the carrier more than a century and a half of experience in the insurance industry. The insurance company offers several forms of coverage for individuals and for many types of niche businesses. The carrier is headquartered in Dryden, New York.

Today, Dryden Mutual still only offers its coverage in the state of New York. There are 41 employees for the carrier found on their LinkedIn network. As of the end of 2019, the company had a reported $71 million in direct written premium, and $269 million in net admitted assets.

Thanks to its extremely long-standing history, financial strength, and variety of coverages offered, Dryden Mutual has become known as a financially sound insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Dryden Mutual an “A” rating, indicating the carrier is an excellent choice for insurance customers. The “A” rating assures customers that Dryden Mutual is capable of offering guaranteed, secure coverage from a reputable insurance carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound insurance company in the long term.

What Discounts Does Dryden Mutual Offer?

While Dryden Mutual does not make information about its specific discounts readily available, many modern carriers offer common discounts on comparable coverages. These discounts can include:

  • Paperless discount: Offered to insurance customers who opt to go paperless with their statements, etc. 
  • Paid in full discount: Offered to insurance customers who pay their premiums for the year up front in one lump sum. 
  • No claims history discount: Offered to insurance customers who have not submitted any claims for a specified number of years. 
  • Bundling discount: Offered to insurance customers who purchase more than one type of coverage through the same carrier. 
  • Loyalty discount: Offered to insurance customers who remain with the same carrier for a certain number of years. 

An independent insurance agent can help you find more information about exact discounts and other ways to save with Dryden Mutual, as well as provide you with quotes and help answer any other questions you may have.


Connect with a Dryden Mutual Agent Today.

Shopping for insurance? Dryden Mutual has you covered.

Dryden Mutual Customer Service

Dryden Mutual encourages customers to file claims through their independent insurance agent. The carrier provides the following customer service options:

  • Phone contact option.
  • Emergency claims reporting phone contact option.
  • Fax contact option.
  • Snail mail contact option.
  • Customer service department has the following hour restrictions:

Hours (EST)

Monday-Friday 8:30 am - 4:30 pm

The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.

Dryden Mutual FAQ

What is Dryden Mutual's average claim response time frame?

Dryden Mutual allows customers to file claims through their agents or over the phone after hours or in emergency situations. The carrier’s official website does not make a specific claims response time frame promise.

What is Dryden Mutual's customer service availability?

Dryden Mutual’s phone line for customer service issues is available at restricted hours, Monday-Friday. The insurance company allows customers to file claims through their agent, over the phone in special cases, or through snail mail or fax. The carrier also has a social media presence on Facebook and LinkedIn, which makes them a bit more accessible to customers.

What is Dryden Mutual's claims process?

Dryden Mutual allows customers to file claims in a couple of different ways. While the carrier breaks down the information customers need to file claims and how to file, they do not detail their actual claims process. If customers have further questions about the carrier’s claims process, they can ask their independent insurance agent or call the carrier directly.

Does Dryden Mutual create a user-friendly experience for customers?

Dryden Mutual would benefit from adding online claims reporting to their official website, as well as more details about their claims process. The website could also benefit from including more information about their coverage options. The carrier has a social media presence, but it’s not quite as strong as many other carriers’ today. Overall, Dryden Mutual could stand to make a couple of improvements in the user-friendliness department.

Does Dryden Mutual have good small business insurance?

Dryden Mutual provides a large selection of coverages for individuals as well as several types of niche businesses. The carrier offers coverage for the following businesses and commercial properties:

  • Apartment buildings
  • Parking garages
  • Bakeries
  • Beauty parlors
  • Hunting camps
  • Laundromats
  • Restaurants/diners/pizza shops
  • Seasonal businesses
  • Sporting goods stores
  • Taverns and bars
  • Convenience stores
  • Farms

This list of business insurance available from Dryden Mutual is far from exhaustive. Your independent insurance agent can help you find even more information about Dryden Mutual’s commercial lines insurance, as well as their many personal lines coverages.

Is Dryden Mutual a good insurance company?

Dryden Mutual has an extensive history in the insurance industry. The carrier has high ratings through A.M. Best and the BBB. Dryden Mutual provides several coverage options in both commercial and personal lines. Overall, Dryden Mutual can indeed be considered a good insurance company.

Dryden Mutual Customer Reviews

5 Stars
“I've used Dryden for the past year and will continue for many years to come. They have great customer service. I saw there were a couple bad reviews, but I have never had any bad experiences with Dryden.”
5 Stars
“I've been with Dryden Mutual for over 10 years and I love the service. Thank you.”
5 Stars
“We do many craft/vendor events and more and more of them charge extra if you do not have proof of insurance. Our insurance provides not only peace of mind, a safety net in case of liability issue, but allows us to pay a lower rate to many events. In the last 12 months we saved more on event fees than we paid in premiums.”
5 Stars
“As an agent, I love this company. They are very friendly and accommodating.”

TrustedChoice.com's Final Review

We award Dryden Mutual Insurance Group a final rating of 4.11 out of 5 stars. Dryden Mutual’s extensive history in the insurance industry is both noteworthy and impressive, with more than a century and a half of experience under its belt as of today. The carrier provides many coverage solutions for individuals and several categories of niche businesses. The insurance company is highly rated through A.M. Best and the BBB. There are also several glowing customer reviews about the carrier spotted on the web. Overall, we say that if you’re in need of any of their coverages, don’t hesitate to look into Dryden Mutual Insurance Group with your independent insurance agent to be your next trusted carrier.

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