The Goal of Joy Insurance                                                                         

Joy Insurance Agency, Inc. is committed to being the premier independent insurance agency in New York, New Jersey, Connecticut and Pennsylvania. Our number one product is service; service specifically designed to reduce your losses and control your insurance costs. Our commitment is to provide clients with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public.

Joy Insurance Agency, Inc is a general independent insurance agency with a broad range of Commercial, Personal, Life, Health and Investment products. As an SIAA member, we are part of the LARGEST independent agent network in the USA. Through this affiliation, we have access to more competitive programs and top-rated insurance companies than other agencies. You'll find we can offer specilized coverage and pricing to both our business and personal clients. 

The History of Joy Insurance                                                                                   

Our agency was founded in 1983 when after 25 years in the insurance industry Frances Joy decided to open her own practice.  Joy Insurance Agency, Inc. has grown to one of the most recognized agencies in the Hudson Valley. From our modest office in Middletown, New York we serve the needs of our clients in NY, PA, NJ, and CT. Joy Insurance Agency, Inc. is currently owned and operated by 20-year insurance professional Christopher A. Joy. Christopher is a graduate of the University of Buffalo with a Degree in Economics and prior experience in the Banking industry.

WHY AN INDEPENDENT AGENT?

There is a difference in where you buy your protection. Many people don't realize there are three sources for insurance:

1. Captive Agents, who can sell you the insurance of only one company.
2. Telephone/ Internet Representatives, who can offer you the insurance of one company, and only on the telephone or via the internet.
3. Independent Insurance Agents, who represent a number insurance companies, and research with these firms to find you the best combination of price, coverage and service.

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Your Independent Insurance Agent:

• Is a licensed professional with strong customer and community ties.
• Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
• Unlike other agents, is not beholden to any one company; thus, you don't need to change agencies as your insurance and service needs change.
• Assists you when you have a claim.
• Is your consultant working with you as you determine your needs.
• Offers you a choice of insurance plans and programs.
• Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
• Offers one-stop shopping for a full range of products-home, renters, auto, business, life and health.
• Can periodically review your coverage to keep up with your changing insurance needs.
• Treats you like a person, not just another number.

There is a difference!