Skeele Insurance Agency

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  • About
        • Our Agency
        • Skeele Insurance Agency has a rich history of serving and protecting both the people and businesses of upstate New York for more than 60-years.

          What started out as a single location in the home of its founder, Col. Charles W. Skeele, is now a six-location agency with a staff of local professionals representing dozens of regional and national companies.

        • Learn More…
        • Our Agents
        • When comparing insurance agencies, you will find a number of things that differentiate one agency from another. The most important difference is the staff that is going to take care of you.

          Our staff of local professionals that take pride in what they do. Whether it be providing advice, taking care of a claim, or servicing your account to accommodate your changing lifestyle.

        • Learn More…
        • Our Companies
        • Skeele Insurance Agency is an independent insurance agency. We represent dozens of top-rated companies, not just one such as Farmers, State Farm, or American Family.

          By representing multiple companies, we can assure our customers the right fit, which includes the right coverage and a great value when it comes to price.

        • Learn More…
        • Reviews
        • For years people have relied on the opinion of others when shopping for a product or service. That is especially true today.

          Online reviews are fast becoming an important part of many businesses, including our own. Take a moment to read a few of the kind words our customers have had to say about our agency.

        • Learn More…
  • Latest News
    • Our Insurance Blog

      Every so often we publish an article that we think would be of interest to our policyholders. Check back often to learn about personal and commercial insurance, risk management, safety, or home maintenance.

    • Recent Posts

      • Flexible Underwriting – The Benefits of Working With An Independent Insurance Agent June 8, 2022
      • The Rising Cost of Home Insurance May 16, 2022
      • Insuring Collectibles: You May Not Have the Coverage You Need January 14, 2022
      • Happy Holidays to All December 9, 2021
      • Your Guide to Insurance on Electric Cars in New York June 18, 2021
  • Locations
        • Waterville
        • 125 W Main St., Waterville, NY 13480
          Phone: 315-797-3515
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: watervilleoffice@skeele.com

        • Moravia
        • 10 Central St., Moravia NY 13118
          Phone: 315-497-0410
          Emergency: 315-436-1459 Matt Skeele
          Fax: 315-682-5143
          Email: moraviaoffice@skeele.com

        • Manlius
        • 226 Fayette St., Manlius, NY 13104
          Phone: 315-682-5141
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: Manliusoffice@skeele.com

        • Chittenango
        • 920A East Genesee St., Chittenango, NY 13037
          Phone: 315-687-3901
          Emergency: 315-480-2525 Shawn Skeele
          Fax: 315-682-5143
          Email: Chittenangooffice@skeele.com

        • DeRuyter
        • 1715 Albany St. P.O. Box 459, DeRuyter, NY 13052
          Phone: 315-852-6180
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: Deruyteroffice@skeele.com

        • Cazenovia
        • 9 Albany Street Ste 2F, Cazenovia, NY 13035
          Phone: 315-655-2878
          Emergency: 315-380-7727 Shea Skeele
          Fax: 315-682-5143
          Email: Cazenoviaoffice@skeele.com

  • Connect
        • Get a Quote!
        • Are you looking for a quote on your personal or business insurance? You are in the right place, just fill out the request form, or call our agency, and we'll be in touch to ask a few questions about your needs, and answer any questions you have.
        • Request a Quote…
        • Refer a Friend
        • Do you have a friend or relative that is looking for a change? We would certainly appreciate the opportunity to earn their business. Just fill out the referral form by following the link below and introduce them to Skeele Insurance Agency.
        • Refer a Friend…
        • Manage Your Policy
        • Do you have a change that you need made to your policy? You are in the right place. Whether you just bought a new car, or need to change coverage on your home or business, visit our Manage Your Policy page and we'll take care of you.
        • Manage Your Policy…
        • The Skeele App
        • Manage your policy directly from your Smartphone. The Skeele Insurance Agency app allows you to call, text, or email your agent to request changes or report a claim. You can also pay your bill, share the app with family members, and a whole lot more.

        • Download Our App…
  • Personal Insurance in NY
    • Auto Insurance
    • Classic and Antique Car Insurance
    • Car Insurance Rates
    • Custom and Modified Car Insurance
    • Home Insurance
    • Condo and Townhouse Insurance
    • Mobile and Manufactured Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • Vacant Home Insurance
    • Flood Insurance
    • Umbrella Insurance
    • Motorcycle Insurance
    • Snowmobile Insurance
    • ATV Insurance
    • Travel Trailer Insurance
    • Recreational Vehicle Insurance
    • Boat and Jet Ski Insurance
    • Life, Investment and Health Insurance
  • Commercial Insurance in NY
    • Apartment Building Insurance
    • Rental Property Insurance
    • Bed and Breakfast Insurance
    • Farm Insurance
    • Trucking Insurance
    • Office Insurance
    • Restaurant Insurance
    • Retail Insurance
    • Home Based Business Insurance
    • Logging And Forestry Insurance
    • Animal Control Specialist
    • Business Owners Insurance Coverage
    • Inland Marine Insurance
    • Premises Liability Insurance
    • General Liability Insurance
    • Contractor Liability Insurance
    • Professional Liability Insurance
    • Vendor Liability Insurance
    • Commercial Flood Insurance
    • Workers Compensation
    • Commercial Umbrella Insurance
  • About Skeele Insurance
    • About Skeele Insurance
    • Our Agents
    • Companies
    • Reviews
  • Latest News
  • Office Locations
    • Cazenovia
    • Chittenango
    • DeRuyter
    • Manlius
    • Moravia
    • Waterville
  • Connect
    • Get A Quote!
    • Manage Your Policy
    • Refer a Friend
    • The Skeele Agency Insurance App

Home Based Business Insurance

The number of home-based businesses is increasing steadily every year. Many small business owners would rather use the space that their home already provides instead of spending unnecessary money on renting a space or office. If your home can accommodate having a home based business, it is the most convenient and cost effective option.

Unfortunately, many small business owners are under the impression that their regular home insurance also covers their home business needs as well. This is not the case, although some aspects of the business are covered, most of it is left unprotected. Getting home business insurance coverage is essential for your protection and peace of mind.

Does Your Home Business Need Insurance?

It is in your best interest to obtain home business insurance coverage if you conduct your business from your private residence. However, there are some signs to look out for if you are still unsure. If you read through your home insurance policy, you will most likely find that it does not cover business equipment and issues such as security breaches and technology failures in your systems. It is wise to make sure you are covered for all of these and other problems that may arise.

Home Business Insurance Coverage

Our experienced and friendly staff at Skeele Agency, Inc. will be able to give you a thorough run through of all the policies available to you. Below is just a basic overview of the types of insurance policies that will cover your business.

  • Add-on insurance to a homeowners or renters insurance policy

    – This is an addition to the business owner’s regular home insurance. It expands to offer coverage to the business. This is the cheapest option and is most appropriate for a one-person business such as an accountant working from home.

  • In-home business policy

    – If you have people coming in and out of your home business, then this would be a smart choice. It covers the business equipment and liability for injuries that may happen on the business site.

  • Business owners policy

    – This type of policy offers coverage for business equipment, loss of records, malpractice and other liability claims, loss of income, and many other things. If you have a number of staff and your business is of a larger size, then this is the type of policy you need. It offers a higher amount of coverage than the other two policies mentioned above and is the most comprehensive.

Choosing the Right Insurance for your Home Business

With so many insurance companies offering such a vast array of insurance plans, it can be overwhelming to choose the right one. This is where we come in. Skeele Agency, Inc. is an independent agency that does not work for any one company. Instead, we work with a variety of insurance carriers which allows us to choose the best insurance policy to fit your needs.

When working with a multitude of insurance companies, we can compare each to find the one that best accommodates your business insurance needs that fit your budget. The best part is that our services are at absolutely no extra cost to you. All review and comparison services are completely free of charge. Getting the perfect home business coverage is made simple with Skeele Agency, Inc.

GET HOME BASED BUSINESS INSURANCE TODAY!

Contact Us

Get a Quote! Refer a Friend!
ALWAYS VERY HELPFUL, STAFF IS FRIENDLY
Dan “Tree cuttin fool” L.
Dan “Tree cuttin fool” L.
16:14 08 Mar 23
Lisa helped me out with an amazing quote that doubled my coverage and cut my premium in half!
Laura N.
Laura N.
12:43 23 Nov 22
Jackie Boyden is always taking care of her customers. She is always going above and beyond to make her customers happy!! If your looking to save money and have great customer service then Skeele is the place to go!
Bernie B.
Bernie B.
11:54 08 Mar 21
A very professional agent worked very efficiently and with great care to meet my insurance needs. I recommend this business highly.
Claire S.
Claire S.
00:23 06 Mar 21
Fast and easy service. Biggest plus is they don't blow up your email or text messages with useless information.
John P.
John P.
11:55 16 Dec 20
It was real easy give them your info and they do the work for you. It was all electronic I will definitely reccomend people
Raymond J.
Raymond J.
12:05 20 Nov 20
Easy and extra helpful. What more can you ask for?
brandon R.
brandon R.
16:10 01 Oct 20
Jen is awesome! Absolutely great to work with.
Joe L.
Joe L.
14:46 11 Sep 20
One of the few local insurance companies that will do renters insurance with a bully breed dog. Very accommodating and very personable staff
Pamela C.
Pamela C.
13:49 21 Jul 20
Friendly, patient, and very helpful with our many questions. Open for questions and helped us with pros and cons of our services.
David B.
David B.
15:46 31 May 20
Shayna is fantastic! Anytime we need anything, I just give a call to the office, and they are always there to help.
jen w
jen w
15:54 25 May 20
We have been very pleased with the VERY friendly people at the Skeele Agency. They are always very helpful and professional and pleasant. They are very quick to help and get the insurance in place. We do recommend them to others.
Mary Jane F.
Mary Jane F.
18:57 22 May 20
Great place, nice people, very helpful.
Dan B.
Dan B.
22:16 04 Feb 20
Skeele Insurance Agency has alway provided us with excellent customer service. The employees are always helpful, and they’re always willing to get our questions answered.
Heather H.
Heather H.
18:44 04 Feb 20
Skeele is a wonderful choice for all your insurance needs! They are quick to respond, they're great about answering all questions, make it SUPER easy, and very helpful!
DeAnne M.
DeAnne M.
17:03 04 Feb 20
quick and good prices, friendly staff, highly recommend!
Gethel C.
Gethel C.
16:22 23 Jan 20
High quality insurance agency! Very knowledgable and responsive. They make insurance easy and are adept at finding policies to fit many different situations.
Matthew L.
Matthew L.
10:01 01 Oct 19
Very knowledgeable and courteous staff. Great pricing and good people to do business with.
Julia K.
Julia K.
17:01 16 Jul 19
The personal attention and quick response is terrific. I love that you're available if I have any questions and are willing to work to achieve what is best for me.
sally E.
sally E.
16:15 10 Jul 19
It was very nice to reach out to Jacki and her colleagues and through their vast experience and knowledge they were able to put together an insurance package that pertained to me and my businesses needs. Skeele insurance was able to save me a significant amount of money compared to my prior insurance provider therefore I'm able to put more money back into my business and less time worrying about running costs.
George S.
George S.
18:33 30 May 19
Shayna is great to work with. I have been with the Skeele Agency for over 10 years now and they have all ways been there for my business. If I have a question or need certificates, Shayna is the one to take care of it.
John B.
John B.
14:16 03 May 19
They are very very helpful friendly easy to work with and they know their stuff
Tammy J.
Tammy J.
16:03 30 Apr 19
We were actually referred to Jen and the Skeele Agency by a friend and she bent over backwards with very little notice to help us obtain our home owners insurance! She did right by us and we're very happy.
Corey M.
Corey M.
19:03 27 Apr 19
Very efficient and had the correct information as it pertained to NYS insurance requirements
Gerard T.
Gerard T.
16:55 17 Apr 19
Upfront and perfect. office managerShayna is excellent solving problems.knows the in and out of insurance. I asked her questionsshe responds with knowledge of the subject.Pleasant office. tastefully decorated. We are happy with theSkeele Agency. Thank you.
Barbara S.
Barbara S.
17:46 29 Mar 19
I have been very impressed with not only the savings in money for my personal and business needs (which is a few thousand total) but the genuine concern Skeele Insurance has for myself and my business. Proper insurance is huge and Matt took several hours educating me on how to get exactly what I needed!! Skeele Insurance has won my business that’s for sure!!
Patrick S.
Patrick S.
22:03 19 Mar 19
They are courteous, competent and experienced. Plus their agency is conveniently located right in town 😄. What more could a customer ask for?
Sherry P.
Sherry P.
17:23 15 Feb 19
The Skeele Agency was referred to us by our mortgage broker. They did not disappoint. Very professional, helpful and easy to work with.
Robin L.
Robin L.
20:33 09 Feb 19
Awesome staff
Renata O.
Renata O.
01:21 21 Jan 19
We have worked with Skeele Insurance from the start of our business and it’s been a pleasure every step of the way. Matt always responds promptly to any questions and explains thoroughly any new insurance we need as we grow our business. They also have great communication between all the offices which is very helpful if you’re in the area of an office you don’t usually stop in at.
Harvey Seals L.
Harvey Seals L.
15:32 08 Jan 19
Good people take care of you in your time of need
Mike M.
Mike M.
16:56 06 Jan 19
Service is always top notch. Personnel always pleasant and helpful. I have been a customer for over 38 years
Ron B.
Ron B.
15:16 22 Dec 18
The Skeele Agency is Awesome!Shayna has always been really helpful and friendly and informative and she has always helped me get everything done quickly and efficiently!
Becky T.
Becky T.
17:23 06 Dec 18
You always promptly answer my call and solve any issues with both my business and personal accounts. You and your staff are courteous and energetic about answering questions and provide excellent customer service. Thank you for always working with me.
Denise K.
Denise K.
16:19 26 Nov 18
Always available, always attentive to my needs, always looking to get better coverage for lower premiums - very much appreciated
Paul B.
Paul B.
18:32 20 Nov 18
Maureen was pleasant, understanding and helpful during a stressful time. She took the extra time to call my previous insurance company for me, in order to complete the process in one visit. Allowing me to purchase a policy and get on with my day!!
Autumn F.
Autumn F.
18:27 20 Nov 18
We purchased our car and home insurance from the Skeele Agency 2 years ago. We wanted to work with a local agency. We were very pleased with our experience with Maurine Brown. She spent lots of time with us and answered all our questions. We just purchased a new car and decided to stay with the Skeele Agency. Couldn't ask for better service.
Jeff P.
Jeff P.
20:48 16 Nov 18
The last time my policy came up[ for renewal I did a comparison with other company's. I did find a quote that was less but I stayed with the Skeele agency. I did not want to risk losing the level of service that the Skeele agency provides.
David M.
David M.
22:19 08 Nov 18
The agents answer any questions promptly and are very helpful.
Willinette C.
Willinette C.
17:25 01 Nov 18
I appreciated that they took time to explain my questions and concerns. They were very honest people to deal with.
Laurie K.
Laurie K.
13:19 31 Oct 18
Shawn Skeele always takes the time to answer my questions thoroughly and make recommendations that are in my best interest. He's never too busy to call and explain an answer in detail or run a quote to see if I can get a better price.
Kristen L.
Kristen L.
16:12 23 Oct 18
The whole process of switching agencies was easy and Matt Skeele couldn't have been any more helpful. Every time a question has come up we will email Matt and he responds almost immediately. Switching from Allstate to Skeele for home owner insurance and car insurance wasn't only a better financial option but has turned out to be one of the best choices we've ever made. Thank you so much for everything and I will continue to refer every person I speak with to your agency.
Tara C.
Tara C.
20:10 10 Oct 18
Great people to work with.
Jonathan B.
Jonathan B.
18:26 26 Sep 18
Your customer service rocks! Your team is prompt and attentive!
Terra J.
Terra J.
02:17 12 Sep 18
Skeele is always there when I have a question. They are the face of my Insurance and they answer my questions and go to bat for me when I need them the most. Skeele is the only insurance agency I would even think about going with.
Christopher M.
Christopher M.
16:20 04 Sep 18
Great personal customer service!! Great people to work with!!
Joleen Viele W.
Joleen Viele W.
23:34 21 Jun 18
Transferred my homeowners and auto insurance to Skeele.
Janice H.
Janice H.
20:35 21 May 18
This is an excellent group to deal with! I've had all of my insurances with Shawn and his people for 15 years and couldn't be happier.
Norman W.
Norman W.
11:55 21 Apr 18
Skeele is a very friendly, helpful agency. We trust them with our home, auto and business insurance and they are very knowledgable.
Susan K.
Susan K.
12:53 10 Apr 18
We have found the Skeele Insurance Agency to be very helpful, and always willing to answer questions.
Colette S.
Colette S.
22:42 26 Feb 18
Very helpful and friendly staff that is always there when I need them.
jon L.
jon L.
00:02 31 Jan 18
Great local company! Family-owned for generations.
Paul H.
Paul H.
22:35 30 Jan 18
Skeele Agency has been insuring my home and property since I first moved to Central NY in 1996: that is 22 years! Their customer service is unparalleled. I have filed claims for wind storms that caused quite a lot of damage, including to boats, trees, roofing-- always with a very high confidence that the insurance policy they advised me to invest in would take good care of me.
Paul H.
Paul H.
22:31 30 Jan 18
Small town friendly, big city responsive. I am very happy with them.
William C.
William C.
15:41 29 Dec 17
Lisa Bancroft is patient, friendly and thorough. She helped me find the best homeowners and auto insurance policies for my needs. I highly recommend Skeele.
Pamela H.
Pamela H.
21:04 21 Dec 17
Excellent Agents find the best insurance fit for each person's needs
Marcia J.
Marcia J.
20:00 21 Dec 17
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About Skeele Insurance

Skeele Agency, Inc. is a fourth generation, family-owned and operated, independent insurance agency. Our professional insurance services provide a wide variety of policies to fit your needs along with delivering exceptional customer service to all our clients.

Our Hours

Monday - Friday 9:00 - 5:00
Saturday and Evenings By Appointment

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