The Curtin Agency, LLC, 300 Great Oaks Boulevard, Suite 300, Albany, NY (2026)

The Curtin Agency, LLC services all areas of New York and is dedicated to providing quality customer service to each and every client. Representing Farm Family Casualty Insurance Company; United Farm Family Insurance Company; American National Life Insurance Company of New York, all of Glenmont, NY. Products and services are not available in all states. American National means American National In

surance Company and its subsidiaries and affiliates. The content of this site does not necessarily represent the positions, strategies or opinions of American National. Neither I, nor American National, is responsible for statements posted by third parties. All logos and trademarks are the property of their respective owners. This site may have links to other sites not maintained by this agency or American National. Such links do not imply endorsement or approval of these sites or the content therein. We reserve the right to remove any posts from this page, including repeated posts containing the same content, posts that we determine to be confrontational and posts that advertise other products or are not relevant to his agency’s business. Do not post personal information such as claim numbers, policy numbers, etc. If you need assistance concerning your policy or claim, you may call . We will not provide any claim information or request any personal information on a public forum.

09/03/2026

New York holds contractors to a standard almost no other state does.
Labor Law 240 and 241, often called the Scaffold Law, can place liability for gravity-related injuries on general contractors and property owners even when they weren't directly at fault.
Falls from heights and falling objects are the classic examples, and courts here apply these statutes strictly.
The practical takeaway for anyone working on elevated sites is that claims under these laws can be severe, and standard liability limits may not go far enough. Umbrella coverage and carefully structured contracts both play a role in managing the exposure.
If your crews work on scaffolds, ladders, or rooftops, a policy review is the right starting point. Visit thecurtinagency.com or call 518-478-6393 to connect with our team.

08/27/2026

Construction projects involve complex risks, from subcontractor liability to post-project claims. Understanding what construction insurance covers helps contractors protect their business, crews, and bottom line. Swipe for key insights on essential coverages and common gaps.

Need help building the right coverage portfolio or want to make sure your existing coverage is keeping up with your operation? Reach out today. We’re here to help.

08/20/2026

A certificate of insurance looks like routine paperwork, right up until an inaccurate one holds up a job.
We see the same issues again and again. The certificate names the wrong entity. The dates don't match the current term. The endorsements a contract requires never made it onto the form.
Any one of these can stall a project, strain a GC relationship, or leave a gap you don't discover until a claim.
General contractors and property owners are verifying COIs more carefully than ever, so accuracy protects both your compliance and your reputation.
Need a certificate issued or want a second set of eyes on what a contract is asking for? Start at thecurtinagency.com or by calling 518-478-6393.

08/13/2026

If you've signed a subcontractor agreement in New York, you've almost certainly been asked to name someone as an additional insured.
An additional insured endorsement extends certain protections under your policy to another party, usually the general contractor or property owner you're working for. It's one of the most common requirements in NY construction contracts, and one of the most misunderstood.
Two things trip contractors up. First, agreeing to the requirement without confirming your policy can actually provide it. Second, assuming a certificate of insurance proves the status. It doesn't. The endorsement itself does.
Before you sign your next agreement, call/text 518-478-6393 or visit thecurtinagency.com, and we'll walk through the requirement with you.

08/06/2026

Hi, I'm Matt Curtin. It's been a while since this page has had much to say, and that's about to change.
I started The Curtin Agency to bring locally owned, personal service back to the Capital Region after more than 15 years in the industry, including over a decade at two of the country's largest carriers and an extensive background in premium auditing.
That experience taught me exactly where contractors and families get tripped up, and how to prevent it.
Going forward, you'll find useful guidance here on contracts, certificates, NY-specific exposures, and the questions I hear most often from clients.
I'm glad to be back in your feed. Learn more about the agency at thecurtinagency.com.

08/31/2021

Thanks to everyone that has liked my page and sent me messages! I'm very excited to start my own insurance agency. I'll be providing business, personal, and life insurance. I appreciate all of the support!

Address

300 Great Oaks Boulevard, Suite 300
Albany, NY
12203

Website

http://www.thecurtinagency.com/

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