Business Details
33 Years
experience
Your Trusted Insurance & Financial Partner in Endicott, NY
PRL Associates has been dedicated to providing comprehensive insurance and financial services to clients across New York State since 1993. Our team of experienced professionals, including partners with decades of industry expertise, specializes in crafting personalized solutions tailored to individual and business needs. We prioritize understanding our clients' unique circumstances to offer strategic guidance in life, health, property, and casualty insurance, as well as retirement and estate planning. With a strong commitment to community involvement, our team actively supports local initiatives and organizations. Our reputation for exceptional customer service is built on transparency, responsiveness, and a focus on long-term client relationships.We pride ourselves on simplifying complex insurance matters and delivering cost-effective solutions that protect our clients' financial futures. Our defensive driving programs and partnerships with local institutions further demonstrate our dedication to community safety and education. Through continuous professional development and adherence to industry standards, we maintain the expertise necessary to address evolving client needs. Our locally owned and operated model ensures personalized attention while maintaining access to a broad range of insurance products and financial tools. This balanced approach has earned us recognition as a trusted advisor in the Southern Tier region for over three decades.
Services
Personal Insurance
Business Insurance
Financial Planning
Defensive Driving
Medicare Planning
Details
- Year established: 1993
Highlights and features
- We offer 30+ years of combined experience in insurance and financial planning.
- Our team provides personalized insurance analysis and tailored financial strategies.
- We maintain active community involvement through coaching and local programs.
- Our services include specialized defensive driving instruction and Medicare planning.
- We partner with innovative companies to offer diverse financial product options.
What people say
BEST in Service
Saved me $$$100's
Locally owned
Exceeded expectations
Best customer service
Services
Personal Insurance
We provide comprehensive personal insurance solutions including life, health, auto, and home coverage. Our specialists help clients protect their assets and family needs through customized policies. With access to multiple carriers, we ensure competitive rates and tailored protection plans that adapt to life changes.
Business Insurance
Our business insurance services cover property, liability, and group benefits for companies of all sizes. We develop risk management strategies tailored to specific industries and offer specialized coverage for commercial vehicles and business continuity planning.
Financial Planning
We offer retirement planning, estate strategies, and long-term care solutions. Our certified professionals conduct comprehensive financial analyses to create personalized roadmaps for clients' financial security across all life stages.
Defensive Driving
Certified defensive driving courses help reduce insurance premiums and improve road safety. We offer both online and in-person training options with state-approved curriculum to qualify for insurance discounts.
Medicare Planning
Our specialists assist with Medicare enrollment and supplemental coverage options. We explain plan differences and help clients choose appropriate coverage while coordinating with existing insurance policies.
People
John Lavo
Partner
With 40+ years in insurance, John co-founded PRL Associates in 1993. He specializes in financial analysis and community engagement, coaching youth sports and supporting local programs.
Steve Carr
Partner
A Chartered Life Underwriter since 1993, Steve brings 35+ years of experience. He focuses on P&C, life insurance, and investment products while serving the Chenango Valley community.
Dennis Belardinelli
Partner
With 29 years as a financial advisor, Dennis specializes in innovative solutions for business owners and professionals. He actively coaches junior Olympic softball teams in Endicott.
Jim Moore
Insurance Professional
Jim has served the Southern Tier for 40+ years. A SUNY Cortland graduate, he focuses on community service and brings extensive experience in personalized insurance solutions.
Cormac Hogan
Insurance Specialist
Certified defensive driving instructor with 15+ years in insurance. Cormac specializes in personal lines and Medicare planning while serving as a former Kiwanis president.
Questions
What insurance products do you offer?
We provide life, health, auto, home, boat, and business insurance, plus Medicare and long-term care coverage. Our financial planning includes retirement and estate strategies.
How are you different from other agencies?
We combine 30+ years of local experience with personalized service. Our team's community involvement and multiple carrier options ensure tailored solutions for each client.
Do you offer discounts for safe driving?
Yes! Complete our defensive driving course with promo code PRL to receive a $10 discount and potential insurance premium reductions.
What areas do you serve?
While based in Endicott, we serve clients throughout New York State with personalized insurance and financial planning services.
Reviews (4)
Hunter Daugherty
Jan 13, 2022
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If I could I would do 0 stars. From the beginning Cormac McHogan had been taking advantage of me. When I went to cancel my insurance he said he would then 3 days later I call my insurance because I'm getting emails saying they are going to take out more money. Therefore I call my actual insurance and have to cancel it myself when he had told me 3 days prior that he would do that himself. Not to mention all the horrible quotes he had given me weeks prior. I am now saving over $500 with my new insurance. All in all, do not go through this company highly not recommend unless you want your money stolen from under your feet.
Professor Rivera
Nov 19, 2020
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EXCELLENT Customer Service. I have dealt with 3 insurance agencies in Broome and by far the BEST in Service, Quality and they don't forget the HUMAN touch! Best quotes above at least 5 others that I've asked about over the last 7 years. They take the aggravation of dealing with insurance issues out! LOVE working with Courtney Harris. She has been my contact over the last 4 years and has saved me $$$100's. The folks at the office have also made issues, like switching cars and moving/selling houses, non-issues. HIGHLY RECOMMEND!
Jayy Christoff
May 17, 2020
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After being insured with broker PRL for almost 10 years, it was good up until insurance agent Steve Carr took over the my account after my original agent left 5 years ago. I DO NOT reccomend Steve Carr! Horrible communication, everything became a mess when he took over my account. I only give this company a 2 star review because Marnie who works in the office and handles alot of paperwork has been great!
She always took care of any questions or comments concerns quickly and efficiently. She should be getting paid the commissions that Steve Carr collected all these years on my account and never spoke to me once until recently. I have had the worst experience with this company since Steve Carr took over my account. He should be fired for how poorly he handled my account and put my business in jeopardy!
She always took care of any questions or comments concerns quickly and efficiently. She should be getting paid the commissions that Steve Carr collected all these years on my account and never spoke to me once until recently. I have had the worst experience with this company since Steve Carr took over my account. He should be fired for how poorly he handled my account and put my business in jeopardy!
Adam Hatala
Jan 29, 2020
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Switching to PRL associates a few years ago was the best decision I ever made when it came to insurance for my vehicle, apartment, life, etc. The partners, specifically John Lavo, have provided excellent service, and have exceeded my expectations each time I've needed them. Every question has been answered quickly, and the advice was always in my best interest. I have saved hundreds per month and couldn't be happier. I refer all of my friends and family to PRL and I know for a fact you'll be taken care of just like me. Thanks for all you do!
