Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner Since 1925
Established in 1925, we are a locally owned and operated insurance agency headquartered in State College, PA. Our multi-generational ownership structure has cultivated a team with deep industry expertise and a commitment to personalized client service. Representing over 40 top-tier carriers, we prioritize client needs by tailoring coverage solutions that balance protection and affordability. With nearly a century of experience, our agency maintains the foundational principle articulated in our original motto: Our Product Is Service. We specialize in personal, commercial, employee benefits, life & wealth planning, and hospitality risk consulting services.Our team of seasoned professionals combines decades of industry experience with strategic carrier partnerships to deliver comprehensive insurance solutions. We serve individuals and businesses across Pennsylvania, emphasizing transparency, ethical practices, and long-term client relationships. Our hospitality risk consulting division leverages 75+ years of combined industry expertise to address specialized insurance needs. Through continuous adaptation to market changes and technological advancements, we maintain our position as a trusted insurance advisor in the communities we serve.
Services
Personal Insurance
Commercial Insurance
Employee Benefits
Life & Wealth Planning
Hospitality Risk Consulting
Details
- Year established: 1925
Highlights and features
- We offer 99 years of local insurance expertise and multi-generational industry knowledge
- Our independent agency status provides access to over 40 top-tier insurance carriers
- We specialize in customized hospitality industry risk management solutions
- Our team includes specialists with 40+ years of hospitality insurance experience
- We provide 24/7 direct claims reporting through partnered carriers
Services
Personal Insurance
We provide customized personal insurance solutions protecting individuals and families through auto, home, renters, umbrella, and specialty policies. Our independent agency status allows comparison shopping across 25+ carriers to find optimal coverage-price combinations. Services include risk assessment, policy customization, and claims advocacy for State College residents.
Commercial Insurance
Our commercial insurance services safeguard businesses against property damage, liability claims, and operational risks. We offer tailored packages for contractors, manufacturers, retailers, restaurants, and professional offices. With expertise in specialized coverages like garage & repair operations and daycare facilities, we partner with 25+ carriers to create comprehensive business protection plans.
Employee Benefits
We design customized employee benefits packages ranging from small group health plans to large self-insured programs. Our services include health, dental, vision, life, and disability insurance solutions through major providers like Geisinger and Aetna. We assist businesses in creating competitive benefits packages that meet employee needs while maintaining budget constraints.
Life & Wealth Planning
Our life insurance and wealth planning services help clients protect family financial futures through term, whole life, and universal life policies. We offer annuity solutions and estate planning assistance to ensure asset protection and tax-efficient wealth transfer. Services include policy analysis, coverage recommendations, and long-term financial planning strategies.
Hospitality Risk Consulting
We specialize in hospitality industry risk management with 75+ years of combined expertise. Our services address unique insurance needs for hotels, restaurants, and entertainment venues through customized coverage programs. We work with 40+ carriers to provide specialized solutions that address property risks, liability exposures, and operational challenges specific to the hospitality sector.
People
John Conroy
Partner
John Conroy brings decades of insurance expertise to Frost & Conn, focusing on commercial risk management and strategic client relationships. His leadership emphasizes personalized service and ethical business practices.
Scott Balboni
Partner
Scott Balboni specializes in hospitality industry insurance solutions, leveraging extensive sector knowledge to develop comprehensive risk management programs for Pennsylvania businesses.
Alex Fletcher
Partner
Alex Fletcher provides expert guidance in personal insurance and wealth planning, helping clients protect assets and create long-term financial security strategies.
Sandra Balboni
Team Member
Sandra Balboni supports client service operations with attention to detail in policy administration and customer relationship management.
Seth Cocolin
Team Member
Seth Cocolin contributes to commercial insurance solutions, focusing on risk assessment and coverage optimization for business clients.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, life), commercial coverage, employee benefits, and specialized hospitality industry risk consulting services.
How do you find the best insurance policies?
As an independent agency with 40+ carrier partnerships, we compare options to find customized coverage-price combinations that meet specific client needs.
Do you serve areas outside State College?
While based in State College, PA, our services extend to clients across Pennsylvania through our network of carrier partnerships and remote consultation capabilities.
Are claims handled 24/7?
Yes, we partner with carriers offering 24-hour direct claim reporting services for emergency situations outside regular business hours.
How do employee benefits programs work?
We assess business needs and design customized benefits packages using multiple provider options, including health, dental, life, and disability insurance solutions.
