Hallahan, McGuinness, & Lorys

What Hallahan, McGuinness, & Lorys does

Hallahan, McGuinness & Lorys Ltd. (HML) is a family-owned independent insurance agency founded in 1988 and headquartered in Rye Brook, New York. The firm sells personal and commercial insurance coverage through a network of 20+ carrier partnerships, operating across more than 20 product lines that span homeowners, auto, renters, rental property, umbrella, recreational vehicles, valuables, business owners policies, general liability, commercial property, workers compensation, cyber liability, pollution liability, and specialty coverages such as inland marine and financial bonding. All quoting, placement, and policy servicing is conducted by licensed agents via phone (914-939-8895) or in-person consultation; the company does not offer online quoting, binding, or transactions, and the website functions as a marketing and lead-capture surface rather than a transactional platform.

The agency serves two primary segments: individual and family consumers seeking personal lines coverage, and small-to-midsize businesses (including contractors, startups, and established local companies) seeking commercial lines. Geographic reach is concentrated in Westchester County, NY, with capability to underwrite customers nationwide through its carrier appointments. The business model is commission-based: HML earns carrier-paid commissions on policies placed, with pricing and coverage compared across carrier partners on behalf of each client.

Ownership remains concentrated within the founding families, with co-founder Thomas Lorys continuing in active leadership alongside the next-generation involvement of Brian and Logan Hallahan (sons of late co-founder Eugene Hallahan). The firm employs approximately 20 people and has not disclosed funding rounds, outside investors, parent companies, or M&A activity. Its positioning is explicitly relationship-led, differentiating against automated quote platforms and direct-to-consumer carriers through long-tenured client relationships, annual policy reviews, and community-rooted brand recognition built over nearly four decades.

Name

Hallahan, McGuinness, & Lorys

Legal name

Hallahan, McGuinness & Lorys Ltd.

Website

https://hmlinsurance.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Hallahan, McGuinness & Lorys is a family-owned independent insurance agency founded in 1988 in Rye Brook, NY, placing personal and commercial coverage through 20+ carrier partnerships for households and small-to-midsize businesses, primarily in Westchester County with nationwide reach.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance solutions
• Property and casualty insurance
• Business owners policies

Headquarters

HQ city

Rye

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, HML earns commissions from insurance carriers for policies placed. Agents compare pricing and coverage across 20+ carrier partners to find best fit for clients. Revenue is commission-based, not fee-for-service.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Hallahan, McGuinness & Lorys is a family-owned independent insurance agency that brokers personal and commercial insurance policies through partnerships with 20+ top-rated carriers. Licensed agents compare pricing and coverage options across carrier partners and provide personalized guidance to place homeowners, auto, life, recreational vehicle, and business insurance for families and small businesses.

Product overview

Hallahan, McGuinness & Lorys (HML) is a family-owned independent insurance agency founded in 1988 that offers a comprehensive portfolio of personal and commercial insurance products distributed through a network of 20+ carrier partnerships. The agency provides personal lines including Homeowners, Renters, Rental Property (Landlord), Automobile, Jewelry/Art/Valuable Items, Personal Umbrella, Boat and Yacht, Recreational Vehicles, and Builders Risk. For commercial lines, they offer General Liability, Financial Bonding, Commercial Property, Commercial Umbrella, Business Owners Policies (BOP), Inland Marine, Cyber Liability, Pollution Liability, Workers Compensation, and Disability. The company operates as a traditional independent insurance agency where all quotes, policy transactions, and coverage decisions are handled by licensed agents via phone or in-person consultation rather than through an online platform.

Differentiator

Problem solved

Functional benefit

Products and services

• test

Quantifiable outcome

• Same-day personal insurance quotes available for most policies

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Brown & Brown: Large national insurance brokerage operating across personal and commercial lines through a decentralized model. Relevant as a much larger independent agency operator with proven roll-up playbook that could target HML as a tuck-in.
• Acrisure: Large insurance brokerage built through acquisition of independent agencies across the US. Comparable as an aggregator whose business model relies on acquiring agencies like HML and integrating them into a national platform.
• Arthur J. Gallagher: Global insurance brokerage and risk management firm operating across commercial and personal lines. Comparable as an incumbent broker competing for the same SMB and individual clients in the broader market.
• USI Insurance Services: Large national insurance brokerage serving middle-market commercial clients and individuals through carrier partnerships. Comparable as a scaled independent broker with overlapping product lines and customer base.

Emerging players

• Lemonade: Digital-first direct-to-consumer insurance carrier offering homeowners, renters, and auto coverage through an AI-driven app. Comparable as a competitor targeting the same personal-lines customers that HML serves, but with a fundamentally different distribution model.

Direct peers

• Heffernan Insurance Brokers: Independent insurance brokerage providing personal, commercial, and employee benefits coverage across multiple carrier partners. Comparable in operating model as a multi-line independent agency serving SMB and individual clients.
• IMA Financial Group: Independent insurance brokerage offering personal, commercial, and benefits products through carrier partnerships. Comparable as an independent multi-line agency serving individuals and businesses.
• Starkweather & Shepley Insurance: Family-owned independent insurance agency with a long history of providing personal and commercial coverage through carrier partnerships. Closely comparable in family-owned structure and personal/commercial mix.
• Haylor, Freyer & Coon: Mid-sized independent insurance agency offering personal and commercial lines through multiple carrier partnerships, similar in structure and scale to HML. Comparable as a regional independent brokerage focused on relationship-driven service.
• Cross Insurance: Family-owned independent insurance agency offering personal, commercial, and employee benefits through multiple carrier partnerships. Comparable in family-owned structure, multi-line book, and regional independent agency model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hallahan, McGuinness, & Lorys