Joy Insurance Agency

Joy Insurance Agency, Inc is a general independent insurance agency with a broad range of Commercial, Personal, and Life Insurance products. We provide specific insurance packages for offices, contractors, auto repair shops, manufactures, retailers, wholesalers, apartment complexes and farms. As an SIAA member, we are part of the LARGEST independent agent network in the USA. Through this affiliation, we have access to more competitive programs and top-rated insurance companies than other agencies. You’ll find we can offer specialized coverage and pricing to both our business and personal clients.

The History of Joy Insurance Agency

Our agency was founded in 1983 when after 25 years in the insurance industry Frances Joy decided to open her own practice. Joy Insurance Agency, Inc. has grown to one of the most recognized agencies in the Hudson Valley. From our modest office in Middletown, New York we serve the needs of our clients in NY, PA, & NJ.

Joy Insurance is currently owned and operated by Christopher Joy (Frances Joy’s son). Christopher has been serving the insurance needs of Hudson Valley businesses and individuals since 1987. He is a graduate of the University of Buffalo with a degree in Economics and prior experience in the banking industry. As an annual recipient of The Times Herald Record’s Reader’s Choice Award for “The Best Insurance Agency” we hope it’s clear that service is our number one product. Our award winning staff take pride in serving the needs of our valued clients.

Our experience in both commercial and personal lines insurance will provide you with a comprehensive insurance package that meets your individual needs.


Christopher Joy

Since 1987, Chris has been helping business owners with protecting their assets. BS degree in Economics from Buffalo University, prior experience in the Banking industry, Commercial, Personal, Life and Health licensed.

Email Christopher
Text Christopher


Mimi Cahill

Mimi is a licensed Customer Service Representative for Commercial, Personal Line and Life Insurance. Mimi enjoys helping others, in her spare time, she like cooking and crafting.

Email Mimi
Text Mimi


Karen Williams

Karen began her insurance career with Joy Insurance in 1993 as a CSR. She eventually became the office manager and currently works in a sales role advising commercial and personal lines clients.

Email Karen W
Text Karen W


James Dudgeon

Jim has been a licensed broker since 2008 for both commercial and personal lines. Before that he spent almost 20 years in the medical publishing field working on his client relations skills. In his down time he enjoys golfing, skiing and ice hockey.

Email James
Text James


Nancy Rauscher

Nancy Rauscher is a Licensed Customer Service Representative working at both Insurance Companies and Independent Insurance Agencies since 1980. She has been a NY State Licensed P&C Insurance Broker since 1993 for both Commercial and Personal Lines. Her hobbies include golf, motorcycling and her animals.

Email Nancy
Text Nancy


Doris Chelak

Doris started in the insurance industry in 2003 as a licensed Customer Service Representative for both Commercial and Personal Lines. She brings 20 years of management and customer service experience to our office prior to 2003.

Email Doris
Text Doris


Liam Joy, CIC

After graduating Cum Laude with a B.S. Degree in Business Administration from Ithaca College, Liam worked in corporate finance and Risk Advisory where he spent 5 years specialized in regulatory response for institutional banks. Liam is a licensed agent for Commercial lines, Personal lines, Life & Health and achieved the Certified Insurance Counselor (CIC) designation in the Fall of 2021.

Email Liam


Shawn Cahill

Shawn is a licensed Customer Service Representative for Commercial and Personal lines. He has run a business of his own customizing awards and corporate gifts for 27 years. As a father of 2, Shawn prides himself on his catalog of Dad jokes. In his spare time, Shawn participates in community service serving on the Board of Education at Minisink Valley and volunteering at Holy Cross Church.

Email Shawn

Get a Free Quote

Welcome to Joy Insurance

Proudly Serving Middletown, Newburgh, Goshen, Montgomery, Poughkeepsie, Rockland County, Sullivan County, Westchester County & Orange County, NY.

Joy Insurance is a premier independent insurance agency. Our number one product is service; service specifically designed to reduce your losses and control your insurance costs. Our commitment is to provide clients with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public.


Get a Free Insurance Quote Below