About Us

Owner and president Michael O’Brien has been focused on helping people in NY with their Medicare 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 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. We primarily serve counties including Fulton, Montgomery, Saratoga, Warren, Washington, Schenectady, Albany, Rensselaer, Columbia, Greene, Schoharie, Ulster, Dutchess, Herkimer, Oneida, Hamilton and more!

Let us take care of your insurance needs! Call us today at 518-661-6300

H & L Insurance Agency about us