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Showing our local Utica and New Hartford communities, we care.

Insurance is about price and promise; we help you understand both sides of the equation.

About Our Agency

Insurance Solutions

Gem Agency Inc offers comprehensive personal insurance and business insurance.

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Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for you.

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Business Insurance

We’ll thoroughly assess your business and situation to develop creative, cost-effective solutions that fit your needs.

About Gem Agency Inc

At Gem Agency, we have been serving Utica, Clinton, New Hartford and the surrounding Central New York areas since 2008.

As an independent insurance agent, we are able to represent more than one insurance company, which enables our agents to offer you a wider choice of insurance options to satisfy your personal or business needs. Unlike the big corporate insurance writers, we are local and know you by your name and needs, not by a policy number.

Conveniently located in Clinton, NY, we are centered in your community and are familiar with local needs, events, and problems. We strive to provide our clients with the uptmost care and dedication in protecting your biggest assets.

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What Sets Us Apart

Genuine Care

Extraordinary Service

Mutual Respect & Appreciation

Hear From Our Customers

They are always there to help. Whenever I need to change my policy they are very quick and friendly. Gem agency is number 1 in my book.

Lisa Murray
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Gem Agency Inc + Erie Insurance

We offer Erie Insurance coverage at competitive rates.

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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Gem Agency Inc Client Portal

Manage your account with us quickly and easily!

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Clinton, NY Insurance - Red Office Building in Clinton, NY on a Nice Day
Visit Our Clinton, NY Office

210 Utica Street
Clinton, NY 13323

We provide service to New Hartford, Utica and the surrounding Central New York area.

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As an independent agency, we offer multiple options at competitive prices.

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