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Insuring all you Value


Getting the complete coverage you need is no accident. Request a quote today.


When it comes to writing policies that protect you over time, we’re right at home.

Recreational Vehicles

Get out there and have fun. We’ll make sure no worries stand in your way.

Commercial Business

No matter what your business is, being here to insure all you value is ours.


After more than 85 years of excellence, the right choice for insurance is public knowledge.

Manufactured Housing Dealers & Communities

Peace of mind can’t be manufactured. Turn to our Manufactured Housing Division for help.

Administrative Relief Technology

Choices, Private Exchange, compliance, technology and streamlined administration of all your employee BeneFITs in one easy-to-use, secure website.

Compliance Management

Healthcare reform, compliance and education training can help ensure the protection of your company and your employees.

Employee Health Improvement

Employees are your company’s biggest asset. Wellness fosters presenteeism, improves productivity and creates a happier, healthier workforce.

Student Property

You value your personal property. Now learn how you can protect it. Get a quote today.


Keeping you in the classroom and protecting your well-being, on campus and off.


Worldwide coverage for every study-abroad experience

Loss Prevention Solutions

Don’t react to losses – avoid them altogether. Work with us to learn how.

Environmental Management Solutions

Through experience and relationships, we’ve created the perfect environment to help with liability and risk.

Claim Advocacy

Let our experts help keep your workers’ comp claims – and your costs – under control.


From cars to homes to toys, if you can buy it, we can insure it. Get a quote today.


When it comes to your business, we’re more than an insurer – we’re your trusted advisor.


For student health, personal property or specialty insurance, we’re always the smart choice.


Q: What are the required Qualifications?
  • You must be a member of ARANY
  • One of the following Accreditations are preferred: Gold Seal, Certified Auto Recycler, ISO Certified
  • Favorable Loss Experience

Q: What is required for a Quote?
  • Copy of expiring Workers Compensation Policy
  • Renewal payroll by classification code
  • Five year currently Valued Loss Runs
  • Most Recent Audit
  • Federal ID Number
  • Contact information, Name, Address, email, fax number & phone numbers

Q: Where do I send the quote information?
  • You can fill out the on-line form
  • Email to HF&C

Q: How do I notify the State Fund, if they are the current Work Comp Carrier?

A reservation of rights letter should be sent to the State Fund 90 days in advance of your renewal.  This will notify the State Fund that you have elected to pursue a quotation with another carrier.  At that time, the State Fund will issue a cancellation as of the effective date of your renewal.  Do not worry, they will still provide you with a quote, and payment will have to be made to them prior to the cancellation date, if you elect to continue to place your Work Comp coverage with them.  However, this allows you to seek a quotation through the ARANY program and make the best decision for your organization.

Q: What is the ARANY Captive?
  • It is an insurance facility that is controlled by the association and its participating members.
  • The initial purpose of the ARANY Captive is to insure the Workers’ Compensation risk of the association’s members.
  • The Captive “pools” all of the participating member’s premiums and losses
  • The participants of the Captive are the beneficiaries of the captive’s profits and investment results.

Q: What are the benefits to the ARANY Members?
  • The program should stabilize or reduce Workers’ Compensation cost through mass buying power and effective underwriting selection process.
  • Each Participating member will share in the profits and investments of the program.
  • Availability of first class claims and loss prevention services.

Q: What are the benefits for the ARANY?
  • Greater involvement in the section process for Worker’s Compensation Service Providers.
  • A stronger product offering that will benefit ARANY membership and attract new members
  • Active leadership in the underwriting, loss prevention and claims process via committee formation and member involvement.
  • Program expansion to other lines of coverage
  • Control & Flexibility

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Winter Weather: Parking Lots & Sidewalks 

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