Culnan Insurance Agency, LLC
We are proud to offer quality products at competitive prices.
We protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done.
About Culnan Insurance Agency, LLC
Culnan Insurance Agency, LLC offers personal insurance, business insurance and surety bonds.
For over 10 years, the Culnan Insurance Agency, LLC has been serving the Capital District Area, with offices in Troy, NY and Hoosick Falls, NY. We are an independent insurance agency dedicated to providing our clients with quality protection and competitive rates.
We work with only the best insurance companies, that are able to offer a wide variety of coverage options and price points. Whether you are looking for auto, home, business, life insurance or bonds, we want to work with you to create a solution for your insurance needs.
Our Stats & Facts
Sean Culnan, our agency owner, has been in the insurance industry for over 30 years.
2019 marks Culnan Insurance Agency LLC’s 10th year of serving the Capital District Area.
Our agency is proud to deliver high quality products at very competitive prices.
Where We Serve
Providing insurance options in the Capital District Area including Albany, NY, Schenectady, NY, Hoosick Falls, NY, and Troy, NY.
Culnan Insurance Agency, LLC + Erie Insurance
We offer Erie Insurance coverage at competitive rates.
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.
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.
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.
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.
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.
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.
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.