Call Us: (607) 785-8381

About Us

Meet the Team

John Lavo

John’s Bio

John Lavo started his Insurance and Financial Service career with John Hancock in 1983. In 1986, he was promoted to manager in the Binghamton District. In 1993, after a successful ten years with John Hancock both as agent and manager, John started PRL Associates. John’s professional services to his clients include:

  • Personal and Business property and casualty insurance
  • All group benefits including group health insurance, workmen’s compensation and disability
  • Financial planning services including college funding plans
  • Retirement analysis and planning
  • Investment Services
  • Business continuation and funding techniques

John and his wife Robin reside in Endicott with their four children Joseph, Cassandra, Marcus and John. John enjoys spending much of his free time coaching youth sports such as basketball, baseball and football. John Lavo is a proud community supporter through various clubs and school programs and activities such as The Boy’s and Girl’s Club of Western Broome, Endicott Sertoma, Endicott Elks, Endicott Youth Baseball and Endicott Youth Footlball League.

Steve Carr


Steve’s Bio

Steve is one of the partners at PRL and has been in the insurance and financial services business since 1987.  He graduated from S.U.N.Y Oswego with a degree in Business Administration and achieved his Chartered Life Underwriters designation in 1993.  Steve is licensed in P&C, Life and Health as well as series 6 and 63.

Steve lives in Chenango Bridge with his wife Pam and his four children.  He has been involved in many community activities including coaching youth sports, serving on the community association board  and is currently serving on The Chenango Valley School Board.

Dennis Belardinelli

Dennis’s Bio

Dennis is a graduate of Iowa State U. and SUNY Cortland’s Health Care Planning/Administration programs with a minor in education. He specializes as an Independent agent representing IBN Financial Services. His expertise as a financial advisor for 29 years has earned him the respect of CPA’s, attorney’s, and business owner’s with their most valued commodity… their clients. A variety of innovating companies are available such as U.S. Energy Development and Lightstone Real Estate Trusts. Dennis and his partners, Steve Carr and John Lavo, uniquely blend their financial planning talents as PRL Associates.

Dennis resides in Endicott, NY with his wife Pam and four daughters, Jennifer, Laura, Brenna and Alexis. He has made a commitment to the community from volunteering with the Broome County Special Olympics to coaching girls ages 12-16 in Junior Olympic softball.


Jim Moore

Sales Rep

Jim has been in the insurance business for more than 40 years.  Throughout that time he has enjoyed serving the community of the Southern Tier.  He is a graduate of S.U.N.Y Cortland and has a degree in Political Science.  He and his wife Carol live in Vestal and enjoy spending time with their six children and 4 grandchildren.  Jim also enjoys playing golf and is an avid Philadelphia Phillies fan.

Cormac Hogan

Sales Rep

Cormac has been in the insurance field since 2005 and joined PRL Associates in 2007. In 2009, PRL Associates and VisionsFCU joined in an alliance for member services with a focus on insurance products. Cormac’s office is currently inside of the VisionsFCU branch on McKinley Avenue in Endicott, NY.

Cormac specializes in personal lines Property & Casuality, Life Insurance and Medicare. He is also a certified Defensive Driving Instructor.

A native of Broome County, Cormac and his wife Kate are the proud parents of two and currently live in Binghamton. Cormac is very active in the community and is a Past President of the Broome County Kiwanis.

Courtney Harris

Sales Rep

Courtney has been in the insurance industry for two years, she specializes in both Personal and Commercial lines, Property and Casualty as well as Life and Health insurance.

She was born and raised in the Broome County Area and continued to stay local and graduate from Binghamton University’s School of management and join our team in 2016. She married her high-school sweetheart and welcomed Boy/Girl Twins earlier this year.


Robin Lavo

Customer Service

Deb Maye

Customer Service

Brian Hoke

Customer Service


Katie Clark

Customer Service
Back to Top