Client Login

Get A Quote

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.

Joseph LaClair

Vice President, Risk Management Advisor

Joe joined HF&C in 1991 and is currently the Resident Vice President of our Watertown branch. He specializes in manufacturing, educational institutions, not-for-profit organizations, municipalities and construction accounts. His knowledge in these niches allows him to understand our client’s needs both on a general industry and account specific basis.

Joe is a student of the risk management process. As a Certified Insurance Counselor he is up to date on all of the proper ways to handle the expanding risk management needs of our customers, large and small. His expertise has helped our larger clients, especially contractors, with appropriate management of risk transfer and contract review. Joe also works closely with large accounts that require expertise in the surety arena. He provides a full array of bid, performance/payment maintenance and commercial surety bonds.

Client Login

Get In Touch