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888.258.4209

Liability Coverage

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with The Bob Putnam Agency today for more information about what Liability Coverage can do for you.

Our Locations

Cooperstown

106 Chestnut St
Cooperstown, NY 13326
Main office: 607-547-5444
Toll free: 888-258-4209
Fax: 607-547-9193

Binghamton


Located between The Can Man Recycling Location, and Seery-US auto repair shop.

1446 Front Street
Binghamton, NY 13901
Main office: 607-772-0000
Fax: 607-772-0001

Palatine Bridge


Located in the Dutchtown Plaza next to the post office.

46 Dutchtown Plaza
Palatine Bridge, NY 13428
Main office: 518-673-2111
Fax: 518-673-2165

Worcester

9556 Route 7, Suite 2
Worcester, NY 12197
Main office: 607-397-1999
Fax: 607-397-1199

Our Providers

Testimonials

I have been with your company for many years and wouldn’t think of changing to anyone else. The service is great! You are one of the few companies I can say that about.

Laura
Very helpful, good agricultural industry knowledge. Friendly service.

Anonymous
I just wanted to let you know how happy I am with Bob Putnam Insurance. I have to say that the agents in the Greene office have exceeded my expectations. You have been very helpful and have made me feel very comfortable changing over from State Farm to Nationwide Insurance. You have answered all my questions with a smile and patience. I applaud your professionalism and pride you have in your job. Thank you for making me feel comfortable and secure through my decision to change insurance companies.

Kandi M
Niki, Shelley, and Susan are awesome ladies to work with. Very knowledgeable and helpful. Would highly recommend!!!!!

Anonymous
My parents and I spent almost 40 years with one of the “big” insurance companies in Oneonta. All 40 years without a single claim. During a stretch of bad luck in the early ’90’s I ended up filing 3 small, very small, claims in a span of about 2 years. That company that had collected mine and my family’s money for 40 years without having to pay out a single claim dropped our coverage. I became a client of the Putnam agency immediately after. I have been “family” every since. I am not treated like a client but more like a friend or family member that they want to take care of. As a matter of fact I now consider them family friends. I trust the Putnam agency without question. I strongly recommend the Putnam Agency to all my friends and I now recommend them to you.

Hank S.
I love when I walk into any of the 4 offices and I am greeted with a smile and friendly hello. They helped me understand what exactly I was getting with my coverages. They made the whole insurance process easy and painless.

Anonymous
As a customer of Bob Putnam Agency for several years I have been very pleased with the service both Insurance wise and Company Employee wise! I am greeted as soon as I walk in the door by smiling faces! I look forward to walking into your Greene office and very pleased with how your employees treat customers.

Barbara Ann W.
Love the staff at the Putnam agency! They always answer my questions with urgency and professionalism. They were not cheaper when I switched to them 4 years ago but because they took the time to find out what was important to me I really enjoy doing business with them. I have since looked around to check pricing and they come up lower than many other quotes I have been offered.

Anonymous
Our family has been with the Bob Putnam Agency for over twenty five years and we have never been disappointed with their service. Dealing with them has made me feel as if I have a family member in the insurance business, someone who has my insurance interests at heart. They are, and always have been extremely courteous, efficient, knowledgeable and friendly. Suggestions and explanations are frequently offered to allow us to choose what we need, rather than what they want to sell us; they are not a "one size fits all" agency. Nothing is ever a problem and I would recommend them without reservation. Thank you for the exemplary service over the years.

Hal C
Great people, saved our family lots of money when we switched. Staff much more friendly and professional than those "other guys" in town. Will definitely recommend!!

Anonymous
Whether I walk in the office or call on the phone, both Theresa and Mack are always very friendly and helpful. They put things into terms I can understand and make me feel like I'm not just another customer. Talk to them if you want to save some money today.

Anonymous