Insurance

Our insurance agencies offer a variety of commercial and personal insurance services to businesses and individuals.

Commercial Insurance: Our agencies offer all forms of commercial property and liability coverages including Surety Bonding.

• Property	• General Liability	• Workers Compensation
• Business Owners	• Professional Liability	• Disability Benefits Coverage
• Inland Marine	• Commercial Auto	• Crime & Fidelity Coverage
• Builders Risk	• Directors & Officers	• Umbrella & Excess Liability

Personal Insurance: Our agencies offer an extensive variety of personal insurance products.

• Personal Automobile	• Homeowners
• Recreational Vehicles	• Renters
• Boats	• Landlords Rentals
• Excess & Umbrella	• Antique Automobile

Health Insurance: As health insurance brokers, our subsidiary, Capital Financial Group, Inc., has the experience of working with both small and large employer groups with varying histories of utilization. This expertise has enabled them to recommend options that best meet the needs of our clients.

Term Life Insurance: Written for a specific period of time, typically 5, 10, 15 and 20 years, term life is relatively inexpensive. We offer two types of term life insurance, level term and decreasing term. Level term holds the coverage constant while decreasing term is useful when a large amount of coverage is needed early and diminishes over time.

Long-Term Care Insurance: Planning for the potential need for long-term care, whether at home or in a facility such as a nursing home, has increasingly focused on long-term care insurance as a means of protecting family assets and relieving family burdens. Our in-house specialist can explain options and access a variety of policies from a number of carriers to best suit your needs, including policies eligible under the New York State Partnership Plan.

Disability Insurance: Disability income insurance provides replacement income when wages or other forms of income such as professional fees are lost due to a disability. It provides the insured with a guaranteed flow of periodic payments while the individual is disabled.

Sports Insurance: The sports management division of our subsidiary, Loomis & Lapann, Inc., has developed insurance programs specifically designed for High School Athletic/Activities Associations and National Governing bodies. The final product is the association of working directly with various insurance underwriters to provide the most comprehensive insurance products available in the marketplace.

INSURANCE AND INVESTMENT PRODUCTS:

NOT A DEPOSIT
NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK

MAY GO DOWN IN VALUE

Insurance products are offered through Upstate Agency LLC (Chestertown, N.Y.); McPhillips Insurance Agency - a division of Glens Falls National Insurance Agencies, LLC. (Glens Falls, N.Y.); Loomis and LaPann, Inc. (Glens Falls, N.Y.); and Capital Financial Group, Inc. (South Glens Falls, N.Y.). These agencies are non-bank subsidiaries of Glens Falls National Bank and Trust Company and are licensed to sell insurance in New York State and act as agents for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.