INSURING TODAY. SECURING TOMORROW.

About HMS

Our Team

Our insurance professionals live and work in New York’s Capital Region. We’re part of this vital community and are committed to the health and prosperity of its businesses and its people.

Stephen Mather, Agent/Broker and PrincipalSteve rev web
Stephen has over 20 years of insurance experience. He graduated from St. Bonaventure University with a bachelor’s degree in business administration and holds licenses for property, casualty and life insurance. He is also a Certified Insurance Counselor (CIC). In his spare time, Stephen is actively involved in the Clifton Park community, where he coaches his children in basketball and little league baseball. He is an avid Red Sox and Patriots fan, and he enjoys golfing, skiing and spending time with his family.


Lori Anne Harris, Agent/Broker and PrincipalLAphoto
Lori Anne has almost 30 years of experience in the employee benefits field working for a top-tier health insurer, along with one of the largest brokers, before opening her own insurance agency almost 20 years ago. Lori Anne is a licensed accident/life and health agent and property/casualty broker. She earned her bachelor’s degree in business administration at St. Bonaventure University and has served as the chairman of the Albany-Colonie Chamber’s Business referral Group #1. She is also an associate member of the Small Business Strategic Alliance (SBSA) and an active member of the National Association of Healthcare Underwriters (NAHU) and WPO- Women’s President Organization, a national women-led affiliation of women entrepreneurs. She is also pursuing her CEBS designation; an employee benefits certification. Lori Anne serves on the board of the Ellis Hospital Foundation and Family & Child Services of Schenectady. Lori Anne enjoys exercising, golf and spending time with her family in Lake George.


William J. Mather, Sr., CLU, Agent/Broker and PrincipalBillSr rev web
Bill has more than 50 years of experience in the insurance industry. At HMS, Bill is the CFO as well as an expert in personal insurance and employee benefits. He is also active in the Capital Region community. He serves on the board of the Visiting Nurses Association of Schenectady, is vice president of the Rotterdam Sunrise Rotary, is a board member of the Schenectady Chamber Foundation and is treasurer of SCORE. Bill graduated from Union College and received his Chartered Life Underwriters designation from the American College of Life Underwriters. When he’s not working, Bill enjoys golfing, boating, and spending time with his family at Lake George.


William Mather, Jr., Agent/Broker and PrincipalHMSBilly rev web
After graduating from St. Bonaventure University with a bachelor’s degree in business administration, William began his career in the insurance industry, specializing in claims and risk management. As an HMS principal, he specializes and is licensed in property and casualty insurance. He also has an Associate in Risk Management designation. Bill is active in the Malta and Ballston Spa communities, where he coaches his sons’ sports teams. He enjoys golfing, skiing, and cheering for his beloved Red Sox.


Michele Seddon, Agent/Broker and PrincipalMichele rev web
Michele’s background in human resources for a large insurance company laid the groundwork for her career in employee benefits insurance. She’s earned her Life, Accident and Health Agent license and her broker’s license. At HMS, Michele helps clients navigate the changing health insurance and employee benefits landscapes. She is a member of the Twin Bridges Rotary, which serves the Clifton Park and Halfmoon communities. Michele earned her bachelor’s degree in English from the State University of New York at Cortland. She spends her free time golfing, skiing, walking, and enjoying time with friends and family.


  • “We feel very fortunate to have our health insurance with Amy LaCroix and the HMS Agency. Annual changes in coverage and costs are clearly explained and at a competitive rate. Most of all, on the occasions when we’ve needed someone to go to bat with us over a reimbursement with a health care provider, Amy has consistently provided service above and beyond. We would recommend her and her agency without hesitation.” Mitchell Eil, Best Way to Buy

  • “Having had to purchase health insurance and other coverage as a sole proprietor for decades, I can say unequivocally that Michele Seddon is the most industrious, honest and caring professional I've ever had the pleasure to do business with. Michele immediately and consistently took my needs and concerns to heart, and matched them with deep knowledge of industry trends, coverage options, and what might be on the horizon. Combine that with a wonderful personality and you have a person who can actually make a difficult chore seem pleasurable and stress-free.”Chris Vasan

  • “I want to thank you for being so knowledgeable about my insurance options as a new member of Medicare insurance. I was overwhelmed with a plethora of information regarding Medicare and its many restrictions (or as you put it, “options”). I am a physician and you simplified it for me. I can only imagine how difficult and stressful it can be for those who are not physicians. My husband, who is also a physician, and I have decided that we will refer our Medicare eligible patients to you so that they can understand the options available to them. Thank you for your clarity and depth of knowledge. It was greatly appreciated.”Jeanette F. Thornton, MD

  • “I have been doing business with HMS Agency for over a decade. I have always found their customer service to be prompt, knowledgeable and professional. I also appreciate the fact that HMS has the ability to get quotes from multiple companies. I feel confident that I'm getting high quality insurance coverage at a fair price."John Whalen, Whalen Automotive

  • “As a business owner, having insurance is a must. The staff at HMS Agency has handled my policies for over a decade and has always gone above and beyond for my insurance needs. Steve Mather's expertise is an asset to my business and employees."Kevin Hube, Telesys Telecommunication, Inc.

  • “For over two decades we have relied on HMS Agency to help us successfully navigate the complicated waters of the health insurance industry. Early on we recognized that no one on our staff at Schwartz Family Dentistry had the time to become health insurance experts so we turned to HMS Agency for professional guidance. Moving forward, navigating the health insurance world has become more and more complicated. Our staff now pays a portion of their medical insurance premiums and HMS Agency has helped us to involve them in selecting the best possible plan balancing needs with affordability. I simply do not know what we would do without their top-notch service. Knowing that we can trust HMS Agency to provide us with the knowledge we need to manage this issue allows us to continue focusing 100% on our expertise, which is providing quality services to our patients."Cynde Schwartz, General Manager, Kenneth D. Schwartz, DDS, P.C.

  • “HMS Agency has kept us on the leading edge of Health Care, giving us the opportunity to retain and hire quality employees. Their extensive knowledge and involvement with Health Care providers has been a great asset to Mobile Air Transport, educating and assisting us in the decision making process to give our employees the best possible benefits while keeping us within budget. As a liaison between us and our insurance providers, HMS Agency can be viewed as an extension of our Human Resources Department, consistently interacting with management and staff to maintain quality service to all our employees. I can honestly say that HMS Agency has been an integral part of our employee retention."John J. Ingemie, Chief Executive Officer, Mobile Air Transport, Inc.

  • “Over the years, we have had to use and interact with many insurance agents/companies. I have to tell you that your people are the most responsible, professional individuals that we have ever dealt with. You run/have a first class operation, and you should be very proud of that. Our only regret is that we were not aware of your agency sooner."John and Bette Madej