Skip to main content

About Us

Independent by choice

A relationship that’s focused on today in case of a bad tomorrow.

Your family, business, and possessions are all important to you, but you may not know how to protect them best. We have the experience to navigate the unique risks you face, serving as your Central New York insurance professional.


What Sets us Apart

An Independent Advantage

We are independent agents in Baldwinsville, NY, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Horan Companies represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?


When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!


The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.


With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.


An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.


When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

Some Bragging Rights

Meet Your Dedicated Horan Team

Insurance experts who are here to serve you.

These are the pros who make insurance easy, affordable, and hassle-free for you. They’re experts in their field, with years of experience and knowledge to back them up. They’re also friendly, fun, and ready to help you find the best insurance solutions for your needs.

Learn more about who they are, what they do, and what they love by clicking on the images below and reading these lighthearted bios. You’ll discover some surprising facts about them that will brighten your day. Get ready to meet the elite team that makes insurance awesome!

We’re Waiting to Hear From You

It’s safe to say that none of these smiling faces are intimidating. If you’re in the market for an insurance policy and are looking for guidance, we’re here for you. Call 315-635-2095 or contact us to schedule a discussion surrounding your needs.

To get a view of what life as a Horan client is like, read Kelvin Ringold’s client journey and learn how he came to value the personal world-class service of an independent agency.