About Us

Tim Munn

Tim Munn is a 1997 graduate of St. John Fisher College.  He joined the agency in 2003 as a Personal & Commercial Line Producer.  Tim expanded his role in January 2017 purchasing the business from Fred Guzielek.  Tim’s responsibilities include all facets of the business including marketing, administration, production, & service along with the overall strategic direction and leadership of the agency.

Tim grew up in Broadalbin graduating from Broadalbin-Perth Central School in 1993.  He is involved with several community activities currently serving on the Fulton County IDA Board, the Broadalbin & Mayfield Rural Cemetery Board of Trustees, and the St. Ann’s Vestry.  He also serves on the Golf Committee for the Broadalbin Youth Commission assisting in the planning of the annual golf tournament.  He is a past Board Member of the Fulton County Chamber of Commerce, and Fulton County Planning Board.  He is also a current member of the Upstate New York Travelers Agency Council.

Tim resides in the Town of Broadalbin with his wife Christine and sons Bobby and Carson.  In his free time, he enjoys watching and participating in sports of all kind, including golf, basketball, and football.  He has volunteered time coaching youth basketball and football for the Broadalbin Youth Commission and AAU basketball.


Fred Guzielek


Fred Guzielek is a 1976 graduate of Siena College holding a Bachelor of Science degree in Finance. He started in the insurance business in 1976 as a sales associate with John Hancock Life. He then joined Hoy Agency in 1983 becoming an officer in 1985, and President in 1993.

Fred has served on Utica National's School Advisory Board, is past president for the Fulton County Agents Association, Fulton-Montgomery Life Underwriters Associates, and Pinebrook Golf Club. He is also past president of the Johnstown High School Sports Booster Club, and has served on the Johnstown YMCA Board of Directors, and the Fulmont Mutual Advisory Board. Currently, he is a member of the Broadalbin Lions Club and is an assistant basketball coach for Johnstown High School.

Fred's interests involve all sports, especially golf and football where he is an active football official within the Capital District Football Officials Association.


Trudi Cromling
Client Service Manager

Trudi Cromling is a 1993 graduate of SUNY Morrisville College holding an Associate Degree in Computer Information Systems. She started in the insurance business in 1993 and holds a New York State Property & Casualty License.

Trudi has held several office with the Insurance Professionals of Fulton County and was most recently honored as a Quarter Century Member.

Trudi is an active member of the Northampton United Methodist Church and serves as a volunteer Sunday school teacher. Trudi and her husband Pat reside in the Town of Providence with their children, Joshua and Madison. In her free time, Trudi enjoys outdoor activities with her family including ice fishing and snowmobiling on the Great Sacandaga Lake and camping in and around the Adirondacks.


Mary Calderone
Client Service Representative

Mary joined the agency in June, 2017 and holds a New York State Property & Casualty license.  Mary previously had a career with First New York Federal Credit Union where she was she was a training coordinator for several branches throughout the Capital District.

Mary is a graduate of SUNY Brockport and lives in Broadalbin with her husband Vinnie and daughters Bailee & Lilliana .  In her free time, Mary enjoys dance and teaching Zumba classes at the Fulton County YMCA and Alpin Haus Fitness.


Darlene Bornt
Client Service Manager

Biography coming soon...