Our agency was founded in 1983 when after 25 years in the insurance industry Frances Joy decided to open her own practice. Joy Insurance 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.
Joy Insurance is currently owned and operated by Christopher Joy (Frances Joy’s son). Christopher has been serving the insurance needs of Hudson Valley businesses and individuals since 1987. He is a graduate of the University of Buffalo with a degree in Economics and prior experience in the banking industry. As an annual recipient of The Times Herald Record’s Reader’s Choice Award for “The Best Insurance Agency” we hope it’s clear that service is our number one product. Our award-winning staff takes pride in serving the needs of our valued clients.
Our experience in both commercial and personal lines insurance will provide you with a comprehensive insurance package that meets your individual needs.
An Independent Advantage
We are Independent Agents in Middletown, New York, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Joy Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.