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Products & Services

Personal Insurance

Insurance for every stage of your life.

As we reach the milestones that mark our lives, it is important to make sure there is adequate insurance coverage to protect our loved ones and ourselves.  Let us help you with all your insurance needs.

You’re just starting out.  And, this means you’re probably living on your own for the first time.  Here’s where auto and renter’s insurance is a must to protect all of the things you’re
beginning to accumulate…like a car, a professional wardrobe for work, furniture, computer and electronics.

Getting married. Your responsibilities increase, and so does the need for a thorough insurance review. Whether it's combining separate auto policies, or the purchase of a home,
protecting your assets and family with proper Auto, Home and Life Insurance is a must.

Your kids have moved on.  When the kids leave the nest, we'll work with you to review your changing needs and provide a comprehensive, cost effective insurance program.  

It’s time for retirement.  If retirement means downsizing or moving to another part of the country, it’s important to update your homeowners insurance to reflect the changes.

We offer a broad array of personal insurance products that are customized based on your specific needs and goals. Some of our products are listed below. We look forward to hearing from you to review all the coverage we offer.

Property Coverage 

  • Homeowners Insurance
  • Renters Insurance
  • Flood insurance
  • Condominiums


  • Personal Auto Insurance
  • Antique/classic auto


  • Boats/yachts
  • Personal watercraft including Jetskis

Recreational Vehicles

  • Motor homes
  • Motorcycles
  • Travel trailers
  • ATVs
  • Snowmobiles


  • Jewelry
  • Fine art
  • Silverware
  • Rare coins
  • Special events- wedding insurance


Business Insurance

Brinckerhoff & Neuville, a subsidiary of Rhinebeck Bank, knows that running a business requires a lot of work and risk. That’s why we offer a full line of commercial insurance products to ensure the business you’ve built is sufficiently protected.  

We’ll work with you to understand your business and devise the right combination of insurance solutions to most effectively protect your company’s assets, property and employees.  
Trust our knowledgeable staff to make protecting your business our business.

Check out our commercial insurance products and let us help you find the right insurance solutions for your business.  


  • General liability
  • Directors & officers liability
  • Umbrella policies
  • Professional, employment practices and fiduciary liability
  • Cyber liability

Commercial Property

  • Building and Contents
  • Builder’s risk
  • Business interruption
  • Equipment breakdown
  • Contractor’s equipment
  • Flood

Business Auto

  • Liability
  • Comprehensive (fire & theft) and collision

Commercial Bonding

  • Employee dishonesty
  • Forgery
  • Pension & profit sharing – ERISA
  • Surety bond

Workers Compensation & Disability

Employer Protection Program

  • Employment practices liability
  • Human resources expertise
  • Pay-as-you-go workers compensation
  • Payroll processing and tax administration
  • Government compliance

Personal Group Insurance

Businesses with 5 to 2,500 employees can offer a benefit to their employees to purchase insurance through work.  Premiums can be paid either through payroll deduction or electronic funds transfer through their bank account.  

Contract, Fidelity, & Surety Bonds

At Brinckerhoff & Neuville, we provide one of the largest selections of contract, fidelity and surety bond products in the Hudson Valley.  When you need the best team of experienced financial experts, you’ve come to the right place. 

Contact us if you need any of the following bond product coverages:

  • Contract including Bid, Performance/Payment and Maintenance
  • License and Permit
  • Public Official
  • Fidelity and Fiduciary
  • Lost Instruments
  • Mercantile and Government Entities
  • Judicial



Steve Pogge

SVP, Sales Manager


Cell:      845-721-6220


Steve has been in the insurance industry for 23 years, starting his career with Liberty Mutual in 1991 and joining Brinckerhoff and Neuville, Inc. in 2013.  He is a life long resident of the Hudson Valley and resides in Hopewell Junction with his wife and 3 daughters. Steve serves on the Safeco® Advisory Council and the Adirondack Northeast Advisory Council. Thanks to Steve’s excellent insurance knowledge, Brinckerhoff and Neuville, Inc. has been in the prestigious President’s Club of Safeco® for the past 2 years (2014 and 2015). He is a licensed personal and commercial insurance lines broker. Steve believes it is important to take the time to educate his clients on the appropriate coverages in order to ensure complete protection of all their assets.


Eric Fitchett

Personal Lines Producer

Cell:      845-235-5303


Eric is a licensed personal lines insurance broker specializing in Auto, Home and Umbrella insurance. He is the President of The Referral Exchange Chapter of Business Networking International (BNI), a member of the Hudson Valley Young Professionals (HVYP), the Professional Networking Powerhouse (PNP), and the Dutchess County Regional and Rhinebeck Area Chambers of Commerce. Eric believes service begins and ends with customers and will customize a policy specifically tailored to individual customer needs. An independent agent, someone with professionalism, in-depth knowledge, and access to the best carriers allows Eric to find you the right coverage at the right price.

Nancy Costa

Personal Lines Producer

Cell:      845-656-9431


Nancy uses her knowledge of the insurance industry to help educate her customers on the coverage they need and build relationships with her clients to better understand their every need.  Nancy comes from a background in family owned business and understands the importance of proactive customer care.  Nancy is active in many areas throughout the community including the Women’s Council of Realtors and the Mid Hudson Valley Mortgage Bankers Association, and is currently in the Leadership Dutchess Class of 2016.  By educating herself in many different areas, Nancy believes she can find solutions for her customer’s needs and help to educate them on the coverages they should get.


Kevin McCarron

Personal Lines Producer


Cell: 845-489-2064


Prior to working at Brinckerhoff & Neuville Insurance Group, Kevin McCarron worked as a Regional Sales Representative with Arnoff Moving & Storage of Albany. McCarron graduated from State University of New York College at Cortland in 2014 with a Bachelor Degree in Political Science. Kevin is also a Licensed NYS Personal Lines Insurance Broker. McCarron is excited to continue to grow professionally as well as personally in his new role with Brinckerhoff & Neuville Insurance Group. When he’s not in the office he enjoys spending time outdoors golfing or snowboarding.


Darlene Harrington

Branch Manager, Cold Spring


Cell: 845-264-1820


Darlene Harrington was previously employed at Rhinebeck Bank as a Relationship Banker until offered the Branch Manager position at Powers & Haar Insurance Agency, a DBA of Brinckerhoff and Neuville Insurance Group. She was previously a licensed Sales Producer with Allstate Insurance. She received her Associates Degree from Dutchess Community College in Business Administration in 2009. Darlene then transferred to Berkeley College in Manhattan where she received her Bachelors in Marketing. Darlene also has her Property and Casualty license which she obtained in 2013. Darlene is a lifetime resident of the Hudson Valley and grew up in the Town of Fishkill. She enjoys spending her leisure time hiking, boating, going to concerts and reading. She is an avid fan of playing basketball and watching sports, particularly the New York Giants. She coached the 6th grade girls basketball team at Fishkill Saint Mary’s Church for the past 8 years and truly enjoys watching their improvement.

*Not FDIC insured * May lose value * Not Bank guaranteed * Not a deposit
* Not insured by any federal government agency

Insurances products are not a deposit or other obligation of, or guaranteed by Rhinebeck Bank or our subsidiaries, nor are they insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the Bank or our subsidiaries. There is an investment risk associated with some life insurance products, including the possible loss of value.