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Leaders

As a strictly hospitality insurance company, our specialized agents understand the unique risks and challenges faced by businesses in the hospitality industry. We provide tailored insurance solutions that protect your assets, employees, and customers, allowing you to focus on what matters most: running a successful business. 

HRC culminated from a leadership team with 75+ years of experience in the insurance industry, including 40+ years in the hospitality industry. Our experts specialize in providing comprehensive insurance risk solutions to both the policyholder and working with independent agents and brokers already servicing the hospitality industry.

Working solely in the hospitality field, we have cultivated the specialization and expertise expected from every hospitality business owner. We work with over 40 carriers to tailor insurance programs that best meet the unique coverage, premium, and service needs of each individual business. 

Work with us and let HRC’s experienced agents help you safeguard your investment.

Scott Balboni, a hospitality insurance company leader.

Scott Balboni

Scott Balboni is a distinguished figure in the insurance industry, boasting an extensive career that spans over two decades. A graduate of Providence College with a business degree, Balboni combines his academic foundation with practical industry experience, enhancing his ability to provide strategic and informed guidance to his clients. 

Professional Experience

  • Insurance Experience: His journey began in 1997 at CNA Insurance, where he excelled as a life sales representative before transitioning to the agency side, where he delved into sales and eventually ventured into independent agency ownership.
  • Commercial Expertise: With over 20 years of experience in commercial insurance, Balboni has honed his skills and knowledge to provide clients with unparalleled insights and solutions tailored to their unique needs.
  • Hospitality Business Acumen: Balboni's ownership and investment in multiple restaurant and tavern projects have equipped him with a deep understanding of the intricacies of the hospitality industry, allowing him to offer clients a rare perspective and valuable guidance in addressing their specific requirements.

Scott's extensive background in both the insurance and hospitality sectors enables him to approach client needs with a rare and comprehensive perspective. Balboni's wealth of experience and multidimensional expertise make him an invaluable asset to clients seeking comprehensive hospitality insurance solutions.

Patrick Joliet, a hospitality insurance company leader.

Patrick Joliet

Patrick Joliet is a seasoned insurance representative with a comprehensive background in business and law. He holds a BA from Gettysburg College and a JD from the New England School of Law, bringing a unique blend of legal expertise and business acumen to his role.


Professional Experience

  • Business Ventures: Joliet has played a pivotal role in numerous start-up endeavors, gaining valuable insights into entrepreneurial ventures and the dynamics of emerging businesses.
  • Real Estate Acquisitions: With a strong foundation in lease negotiations and land acquisitions, Joliet has interacted extensively with both private entities and government bodies, honing his negotiation and strategic planning skills.
  • Industry Expertise: With seven years of experience in the hospitality industry, particularly in development, and nearly a decade in the oil and gas sector, Joliet possesses a deep understanding of diverse business landscapes.


Joliet's rich and varied business background enables him to guide clients in effectively preparing for unforeseen challenges. His insight into risk management and mitigation strategies equips clients with the knowledge to confidently navigate the complexities of the insurance landscape.

John Conroy

John Conroy

Professional Experience

John began working at Frost & Conn in 1996 after completing a BS in Finance and International Business at Penn State University.  John became a partner in 2012. He lives in Boalsburg with his wife, Karen, daughter Ava, two Corgis, a cat, and 17 chickens.  He volunteers extensively in the community being past board chair of Centre Foundation and the YMCA of Centre County.  Currently he serves on the board of the Bob Perks Cancer Assistance Fund and the Louis & Patricia Silvi Foundation.  In his free time, John enjoys skiing, mountain biking, and fly fishing.

Alex Fletcher

Alex Fletcher