Frontier Insurance Group | Specialty Coverage NY USA

About Us

Founded in 1977 by Walter A. Rhulen, Frontier Insurance Group, INC. operates as a holding company for Frontier Insurance Company, a specialty‑lines insurer licensed in all 50 states. Headquartered in Rock Hill, New York, the agency organizes its business into six focused divisions—Alternative Risk, Environmental Specialties, Financial Markets, Health Care, Specialty Program, and Surety—allowing it to craft highly customized solutions for complex, high‑risk markets.

Frontier’s mission is to protect businesses and individuals with specialized coverage that mainstream carriers often cannot provide. The agency’s long‑standing presence (over 45 years) and deep industry expertise are the foundation of its client‑first philosophy.

Insurance Services Offered

Frontier delivers a comprehensive suite of specialty insurance products, each designed to address unique risk exposures:

• Bonds (surety, license and permit, bail) – Guarantees for contractors, licensees, and court‑required bail.
• Medical and dental malpractice – Protection for health‑care professionals against professional liability claims.
• Health and human services – Coverage for social service agencies, child‑care facilities, and nonprofit health programs.
• Commercial liability – General liability, product liability, and contractual liability for businesses.
• Environmental liability – Pollution and remediation coverage for industrial and construction firms.
• Errors and omissions (E&O) – Professional liability for consultants, engineers, and technology providers.
• Directors and officers (D&O) liability – Protection for corporate executives and board members.
• Financial and specialty niche programs – Tailored policies for financial institutions, fintech, and niche markets.
• Life insurance – Individual and group life protection.
• Health insurance – Individual and group health plans.
• Auto aftermarket products – Coverage for accessories, custom parts, and specialty vehicles.
• Specialty personal lines – High‑value home, jewelry, art, and recreational equipment insurance.

💡 Why Choose Frontier?

Frontier stands out because it combines decades of experience with a highly specialized product suite. The agency’s two key differentiators are:

• Deep niche expertise: Six dedicated divisions enable precise risk assessment for industries such as crane contracting, outdoor recreation, pest control, demolition, artisan construction, children’s camps, and social‑service agencies.
• Personalized service: Clients work directly with senior executives—Harry W. Rhulen (Chairman & CEO) and Mark Mishler (President)—ensuring rapid decision‑making and tailored policy wording.

Frontier’s longevity (operating since 1977) and its leadership team’s extensive industry background provide the confidence that policies are both robust and cost‑effective.

🛡️ Our Carriers

Frontier Insurance Group, INC. is the exclusive holding company for Frontier Insurance Company, which underwrites all of the specialty lines listed above. By partnering with a single, highly rated carrier, the agency can streamline policy issuance while maintaining flexibility to customize limits, deductibles, and endorsements.

📍 Service Area

Frontier is licensed to write business in:

• All 50 United States
• Washington D.C.
• Puerto Rico
• U.S. Virgin Islands

Local office: Rock Hill, New York. The agency also serves clients remotely through phone, email, and an online client portal.

📝 Getting a Quote

Online: Visit the agency’s website and complete the quick quote form. You’ll receive a preliminary estimate within 24 hours.

Phone: Call the office directly (see contact details below) to speak with a licensed specialist.

In‑person: Schedule a free consultation at the Rock Hill office; agents will review existing coverage, identify gaps, and propose a customized solution.

🚑 Claims Support

Frontier provides end‑to‑end claims assistance. After a loss is reported, a dedicated claims liaison works with the insurer, gathers documentation, and keeps the policyholder informed throughout the settlement process. The agency’s expertise in high‑risk lines often speeds resolution for complex claims.

👥 Meet Our Team

Frontier’s senior leadership brings decades of underwriting and risk‑management experience:

• Harry W. Rhulen – Chairman & CEO; guiding strategy since the company’s inception.
• Mark Mishler – President of Frontier Insurance Company; oversees underwriting for all specialty divisions.
• Jonathan Farrow, Donna Braunstein, Peter Foley – Senior executives managing day‑to‑day client relationships and division operations.

🌟 Client Testimonials

“Frontier’s team understood the unique risks of our construction business and built a coverage package that gave us peace of mind.” – A satisfied commercial client.

“The claims process was smooth and transparent; we felt supported from start to finish.” – Policyholder in the health‑care sector.

❓ Frequently Asked Questions

1. What types of insurance does Frontier Insurance Group specialize in? Frontier focuses on specialty lines including bonds, malpractice, environmental liability, E&O, D&O, financial niche programs, life, health, auto aftermarket, and specialty personal lines.
2. Which states can I get coverage in? The agency writes policies in every U.S. state, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.
3. How do I start a quote? Use the online form, call the office, or schedule an in‑person meeting. All options are free and no‑obligation.
4. Does Frontier help with claims? Yes, a dedicated claims liaison assists policyholders from reporting through settlement.
5. What makes Frontier different from other insurers? Its six specialty divisions, decades of experience (since 1977), and direct access to senior leadership provide highly customized, responsive service.

Contact Information

Address: Rock Hill, New York, USA

Phone: Contact the agency directly to confirm

License Number: Contact the agency directly to confirm

Office Hours: Estimated – Mon‑Fri 9:00 am – 5:00 pm (please verify)

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Editorial review: June 10, 2026 — Sources: facebook.com, sec.gov, linkedin.com, roughnotes.com, insurancejournal.com. If you notice any inaccurate data, please report it.