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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.

Patrick Burns

Account Executive

Pat has over 30 years of experience developing and managing commercial accounts with a specialty in The Construction Industry. Pat’s underwriting background provides the tools and expertise needed to service his clients in all areas of risk management. He began his career with Royal Insurance in 1981 and continued on the company side of the business with underwriting positions of increasing responsibility for the next 17 years. Pat transitioned to an Agency environment in 1998 as the VP of Marketing for a local Agency and in 2013 joined the HF&C team as an Account Executive. This talented insurance professional now ensures that HF&C delivers premier services to customers dealing with risk management issues. He believes in working closely with clients to craft and implement effective cost-efficient programs that reduce risk and provide long term solutions. Pat is a 1981 graduate of SUNY Cortland with a BA in Economics with minors in Business and Math.

Services Available through HF&C:

  • In-depth coverage and exposure reviews
  • Risk transfer analysis and support Bid specification review
  • Experience modification analysis
  • Comprehensive claims review and analysis
  • Captive Specialist

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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