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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.

George D. Mahoney

Risk Management Advisor, Capital Region

George brings a unique skill set and 30+ years of executive level experience to HF&C. Well versed in all facets of running a major corporation, George understands the complexities and importance of creating a solid risk management program as part of any successful corporate strategy.

Prior to joining HF&C, George held the position of CFO giving him the executive level view of the financial impact risk management has on a corporation. He was able to reduce insurance expenditures in workers’ compensation, general liability, auto and healthcare through carefully crafted safety and wellness programs. In addition, his analytical mindset allowed him to develop a competitive bid process that factored price and coverage limits. His “out of the box” thinking led to an in-house self-insured program for healthcare and workers compensation that shared the risk while reducing overall expense to the company. Additional experience in the NYS Governor’s Regulatory Reform Office gives George acute awareness of Insurance Department regulations.

As a licensed Risk Management Advisor, George provides his clients with total risk management and insurance solutions. Utilizing agency services and expertise, he is able to provide such risk management services as: policy reviews, coverage gap analysis, risk transfer support, guaranteed cost options and alternative programs such as captives. His goal is to ensure that the customer has proper coverage, and that the terms & conditions meet the requirements for their contracts. His focus is on protecting the assets with strategic competitively priced programs.

A native of the Albany area, George is involved with the National Multiple Sclerosis Society, Cystic Fibrosis Foundation and The Albany Academy. He received his Masters of Business Administration from The College of Saint Rose and has extensive course work in Labor Law from Albany Law School.

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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