We at Wayne are continually monitoring updates via the Center for Disease Control (CDC), the New York State Department of Financial Services (NYSDFS), and other health, safety, and regulatory sources to ensure the health and safety of all employees, agents, policyholders and their families.

Payment Flexibility

We understand that many are facing financial hardships and we’d like to continue to help reduce the burden. We’re offering additional payment assistance options including modified payment plans and adjustment of due dates.

If you are facing a financial hardship due to COVID-19, please contact our billing department at (800) 724-1648 to discuss alternate arrangements for your policy.

Payment Methods

Payments can be made 24/7 via our policyholder website by credit/debit card or eCheck. You may also contact our billing department during regular business hours (8:30am to 4:30pm Monday-Friday) to make a payment via telephone using a credit/debit card only.

Claims Adjusting

To help ensure the health and safety of both our policyholders and our employees, we are utilizing various resources to adjust more claims remotely. At this time, claims adjusters are only scheduling inspections on an as-needed basis.

Updates on COVID-19

For all current information regarding COVID-19 in New York, click here to visit the New York State Department of Financial Services website.

Our Products

Wayne Cooperative has a wide array of products to meet your individual needs.


For your owner-occupied 1-4 family home, double wide mobile home (on a permanent masonry foundation) or an apartment or dwelling rented to you


For one- to four-family dwellings used exclusively for rental purposes, secondary or seasonal dwellings rented on a weekly/monthly basis, or student housing


For owner-occupied dwellings (required for eligibility) as well as farm barns, buildings and structures, equipment, and your other farm personal property


For one- to two-family owner-occupied mobile homes, secondary or seasonal mobile homes, or a mobile home rented to you.


Basic coverage for buildings that may not qualify for coverage due to occupancy issues or structures too large to qualify for ‘Other Structures’


For certain types of businesses including part-time handyman, food stands, restaurants/diners, commercial storage buildings, and apartments with 5+ units

Company Ratings


A.M. Best is a global credit rating agency of insurer financial strength and creditworthiness.


Demotech, Inc. is a financial analysis firm that provides Financial Stability Ratings for the insurance industry.


The Better Business Bureau helps find and recommend businesses that consumers can trust.

What People Say About Us

Contact Info.
Phone #: (315) 923-2861
Toll Free #: (800) 724-1648
Fax #: (315) 923-9135
Wayne Cooperative Insurance Company
10267 Old Route 31
Clyde, NY 14433