We offer a range of policies for individuals, families, & businesses

Providing Coverage for Over 20 years

In 1994, Hoagy Higgins and Ronald Lachapelle founded Lachapelle & Higgins Insurance, Inc. with one goal in mind; to provide local clients with a wide variety of insurance products to fit each individual’s needs. Our team believes keeping business dollars local is important to the community and its continued growth. We successfully keep these dollars here at home by offering unparalleled quality service at reasonable rates.

Our Mission

We do not work for any specific insurance company. We work for YOU, our customer, to obtain the best combination of rates and services to match the needs of your family or business. Contact us today to let us help you put the pieces together for the best insurance program possible.

Our Vision

Obtaining competitive quotes for coverage and handling claims problems is only a small part of what you should expect from your insurance broker. We use the most up to date tools and research to help you meet your insurance objectives, and will raise the bar for what you expect from your insurance broker.

Days Available


Years + in Business

Free Quotes

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Our Team of Experts

We take pride in our team and only hire the best.  Here are some of the friendly faces you will see in our office and in the local community!

Hoagy Higgins

Founder and CEO

LUTCF has helped individuals and families with their financial needs since 1982. Hoagy, a well-known Rochester personality, stays involved in local community activities including youth sports, Soap Box Derby, Rochester Crime Line, The Rochester Sports Hall of Fame, and the Rochester Share Fund. He is a lifetime member of the Jaycee’s and a received the 2007 Rochester Small Business of the Year Award. Professionally, he is a three-time Prudential Insurance Company Citation winner, Prudential’s highest award.

Troy Large


Troy started with Lachapelle and Higgins in 1997. He graduated from Rochester’s Spaulding High School and the University of New Hampshire where he studied Political Science and Sociology. He also studied abroad with the European Union on a project to manage infrastructure and state labor procurements. In his spare time, Troy enjoys his family, cooking, camping, skiing, fishing, hiking, and hunting.

Keith Cook


Keith, a lifelong resident of Rochester, is a true professional in the area of Property and Casualty insurance. He is a graduate of Spaulding High School and attended Keene State College where he studied Business Management. Keith enjoys community service, camping, fishing, and hunting.

Put You & Your Family in Good Hands

Get In Touch

We are here to answer any questions you may have.  Insurance can sometimes seem difficult to understand, so we want to make sure you feel comfortable with knowing exactly what you are buying.

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