Ask just about anyone who has lived in the Corning New York area for several decades about Lloyd Sprague, and you’ll hear the same words: “fine man,” “honorable,” “good citizen, ” “community minded,” and of course, “insurance.” It was this man, Lloyd D. Sprague, who founded Sprague Insurance in 1921, and who imbued it with the values and approach to doing business that have characterized the firm ever since. A decade after founding the company, he purchased F.D. Kingsbury and Son, an insurance company that had traced its origins to 1848.
Lloyd was vitally involved in the business from the day he opened the doors until his death in 1992, at age 98. But he was never too busy to contribute to the community. He was a charter member of the Corning Lions Club in 1927, and was active in the Chamber of Commerce and Corning Country Club. He and his wife Iva were active in their church and charitable organizations.
PROPERTY & LIABILITY INSURANCE
The purpose of insurance is to protect you against serious financial risk in the event of unforeseen loss, injury or accident. Insurance is a complex business. That’s why we take very seriously our professional responsibility to help you make the insurance decisions that are right for you – not offering you a one-size-fits-all policy.
Most people need different levels of life insurance coverage at various times during their lives. Here are some of the reasons they seek the protection of life insurance: enabling loved ones to maintain their lifestyle, caring for children, paying college tuition, providing for elderly parents, paying off mortgages, car loans and other sizeable debts, paying estate taxes, and covering final expenses.
Most people want the security of knowing that they will not suffer disastrous financial consequences of huge medical bills. There are a wide range of insurance options that can protect individuals and families. Choosing the right coverage for your needs is one of the most important financial decisions you will make.
Disability insurance provides some monthly income in the event that you are unable to work because of an accident, injury or other medically related condition that makes it impossible to perform your job. Some disabilities, like pregnancy or a broken bone, may result in a short amount of time out of work. Others, like a heart condition, stroke or a disease that impairs your mobility or thought processes, may result in your being out of work for a long period of time – or even the rest of your life.
We offer a comprehensive spectrum of insurance services to businesses and non-profit organizations. Through our portfolio of insurance companies, we are able to offer a wide variety of coverages, and our agents are skilled at helping to write policies that best serve the unique needs of each customer. Many of these firms also offer programs that enable organizations to manage risk, control loss, and reduce costs through proactive education programs.
MUNICIPAL & EMERGENCY INSURANCE
Sprague Insurance has a team of professionals with specialized knowledge of these areas, and our portfolio of companies includes several with insurance and services designed specifically for government units and emergency services. Our customers range from entire city governments to small volunteer fire departments, and we are committed to using our expertise to create an integrated insurance program that is right for each of them.
NEWS & INFO
What you can expect from a Sprague Insurance agent
We promise to:
- Seek comprehensive understanding of your needs.
- Shop the market on your behalf, if applicable.
- Offer recommendations based on our insurance knowledge and expertise.
- Respond to your inquiry promptly, courteously and respectfully.
How to make the best insurance decisions
- Choose your agent carefully, based on the range of coverage they offer and their reputation for integrity.
- Give insurance the attention it deserves. Schedule an appointment to discuss your needs.
- Allow time for your agent to do the appropriate research on your behalf.
- Let your agent know immediately when anything changes that could affect your insurance.
- Provide complete, honest information. Failure to do so may result in your not receiving the benefits you are paying for.
THE SPRAGUE TEAM
24-Hour Emergency Service for Claims
Nights and weekends, please leave a message. Your call will be returned promptly.