Chautauqua Patrons Insurance Company is a Property and Casualty Insurance Company located in Jamestown, NY. As a mutual insurance company, we are “owned” by the policyholders, who are similar to stockholders in a corporation. The company does not pay dividends directly, but rather uses the profits generated to keep rates as low as possible. Additional operating profits may be retained to finance future growth and provide a cushion against future liabilities. This is referred to as policyholder surplus.
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