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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.

Joe Peplinski

AVP, Risk Management Advisor

As a proud member of the commercial transportation unit at HF&C, Joe brings over 14 years of insurance experience to his clients and is a lead member of Haylor’s dairy and agricultural haulers program. He works with trucking fleets across all industries and commodities throughout the United States.

In addition to insurance products and coverages, Joe has developed risk management tools specific to the transportation industry. He is very knowledgeable in driver safety and provides hands on safety training for many of his clients. He uses these loss mitigation skills to help fleets in reducing both their frequency and severity of loss. Joe is a believer that the right safety program can change a company’s culture, as well as the attitude of their drivers regarding safety.

Joe is a graduate of the University at Buffalo where he studied both Communication and Marketing. He resides in Baldwinsville, NY with his wife and family.

“Driving is not about the hands and feet. It is all about the eyes and mind.” Harold Smith 1952

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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