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Specialty Insurance

Seasonal Homes & Island Properties | Restaurant | Contractors | More

Watertown Insurance Services offers specialized insurance advice to a wide range of industries. We excel in providing complete seasonal homes & island properties, restaurant, contractors, technology, brewery & distillery, campground and marina, tow truck operators, tree service contractors, welders, winery, and emergency service organizations insurance solutions.

The agents at Watertown Insurance Services understand the complexities of Watertown business insurance. Contact us today to schedule a comprehensive insurance review and find out what we can do for you.

No two restaurants are exactly alike. A trendy downtown bar has very different insurance needs from a fast-food franchise, and a coffee shop has different liability concerns than a bar and grill. Watertown Insurance Services has insurance solutions for all types of Watertown restaurants, bars, cafes, food trucks and more.

Our professional insurance agents will take the time to learn about your business and recommend a tailored insurance policy to address the needs of your unique operations. Contact us today to find out more.


Whether you focus on a single trade, such as plumbing or electrical maintenance, or provide a wide menu of services, our experienced agents will take the time to learn your unique business and recommend contractors insurance solutions that fit your needs.

We focus on building long-term relationships, and as your company grows and changes, we’ll provide rate and coverage reviews to help you protect your bottom line. Contact us to find out how we can help your business succeed.

Your IT company faces different risks than companies in other industries. Watertown Insurance Services offers policies to address the specific concerns of technology companies — whether you operate a sole proprietorship out of your basement or an IT firm in a downtown office.

As your Watertown IT business expands and the landscape of corporate technology evolves, our experienced insurance agents will review your policy with you and provide recommendations for new or updated coverage. Contact us to find out more about how we can help.

Brewery & Distillery

Need insurance for your brewery or distillery? The insurance professionals at Watertown Insurance Services can help you create a customized insurance program with comprehensive coverage for your brewery or distillery. With access to unique and competitive insurance programs for breweries and distilleries, Watertown Insurance Services can assemble a cost competitive insurance program to fit the exact needs of your brewery or distillery.

Watertown Insurance Services located in Watertown New York has competitive insurance programs for campgrounds and marinas. We insure a variety of campgrounds, RV parks, and marinas in New York State with comprehensive coverage at competitive premiums. Our campground operator and marina insurance programs can be customized to accommodate of variety of activities including insurance coverage for boat rentals, boat sales, boat repair & winterization, boat storage, boat mooring, and boat slip rentals.

Tow Truck Operators

Looking for comprehensive and competitive insurance protection for your tow truck company or auto repair garage? Watertown Insurance Services in Watertown, New York has relationships with multiple “A” rated companies that can insure independent tow truck operators, auto repossession companies, roadside assistance companies and auto repair and collision repair shops of all types and sizes.

Watertown Insurance Services offers comprehensive insurance solutions for arborists and tree service contractors who want confidence that their insurance program will respond properly in the unfortunate event of a claim. Watertown Insurance Services insures many arborists and tree service contractors in New York State through our relationships with multiple “A” rated insurance companies. Call the insurance professionals at Watertown Insurance Services in Watertown, New York for a professional insurance proposal for your tree service business.


Insurance for welders can be costly and difficult to obtain at a reasonable cost. Watertown Insurance Services has relationships with multiple “A” rated insurance companies who specialize in comprehensive general liability insurance for both on-site welding and mobile welding contractors. Contact the insurance professionals at Watertown Insurance Services in Watertown, New York to obtain a professional insurance proposal for your welding business.

Our program includes unique coverages not offered in many other winery and vineyard programs:

  • Selling price valuation for bottled and bulk wine.
  • Product recall expense.
  • Outdoor Property (vines, poles, wires, sheds, etc.)
  • Equipment Breakdown
Seasonal Homes & Island Properties
Emergency Service Organizations