About Us

Owner and president Michael O’Brien has been focused on helping people in NY with their Medicare and life insurance since 1989 and has witnessed the industry change a lot over the years. He still believes in a one on one face to face approach today and doing what’s best for the client. In 2011 he decided to open H&L Insurance Inc. to have an office and staff to support his clients as well as a team of licensed and trained agents to continuing serving the community with their insurance needs.

H&L insurance is an agency that specializes in Medicare, but also competitively priced life, critical illness, disability, home, auto, landlords, and business insurance. Having an independent agent on your side means having a professional who shops many of the areas leading companies so you get the coverage you want and need at the best price possible. Finding the right insurance policy can be a difficult process. Our goal is for you to be informed and satisfied when making these important decisions. Many people overpay or have coverage that isn’t appropriate for them, our mission is the opposite.

We primarily serve counties including Fulton, Montgomery, Saratoga, Warren, Washington, Schenectady, Albany, Rensselaer, Columbia, Greene, Schoharie, Ulster, Dutchess, Herkimer, Oneida, Hamilton and more!

Contact us for a no-obligation quote, product information, and/or any other questions you may have! Call our office today at 518-661-6300

H & L Insurance Agency about us