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who we are

SDN Insurance® affords strength and stability. We are a widely respected insurance agency, in part because we have been serving our community since 1923. Our mission is to help our customers anticipate, measure and understand the risks of everyday life using a consultative and customer-focused approach. With integrity as our cornerstone, our approachable and flexible professionals build long-lasting relationships empowering our customers through listening, learning and educating to ensure they can recover from the unexpected. 


The way we do business is different.

We take the time to get to know our customers - their needs for today and plans for tomorrow. At SDN, we listen to your goals, preferences and budget constraints to translate that understanding into effective results. With each interaction with our team of trusted insurance specialists, you'll find:

Checkmark icon for list entries Personalized service
Checkmark icon for list entries Detailed, customized coverage

Checkmark icon for list entries Strong community roots
Checkmark icon for list entries Extensive experience

SDN is a full-service insurance agency offering personal, business and financial services products. Personal insurance offerings include auto, homeowners, renters, secondary and vacation homeowners, life, long-term care, personal umbrella liability and recreational vehicles. Business insurance offerings include commercial property & liability insurance; workers compensation insurance; employee benefits; construction bonds; group life, long and short-term disability insurance; and insurance programs for acupuncturists, chiropractors and naturopaths.

Specialized Coverage Areas:
  1. Construction- Coverage for building projects with protection unique to the construction industry.
  2. Manufacturer- Various coverage options available to protect manufacturing facilities, equipment and more.
  3. Employee Benefits- Competitive, yet cost-efficient plans designed for small businesses.
  4. Personal- Expansive protection options for individual coverage.
  5. Habitational-  Protection for property managers, owners and developers.

Our History

Since 1923, SDN Insurance® has worked to help our customers find the right insurance policy for their today and tomorrow. Based in Amherst, our insurance company represents multiple insurance carriers, including those with high financial ratings for property and casualty, life and health. In addition to traditional business insurance policies, our team has grown to specialize in the areas of property and casualty coverage, surety bonding and employee benefits.

On August 1, 2014 we were acquired by Financial Institutions, Inc. which is the parent company of Five Star Bank. At that time we became a subsidiary of Financial Institutions, Inc. and an affiliate of Five Star Bank. Our business name changed from Scott Danahy Naylon , LLC to SDN Insurance Agency, LLC. On February 1, 2021 Landmark Group joined SDN Insurance Agency, LLC. On August 3, 2021, North Woods Capital Benefits LLC joined SDN Insurance, LLC. The current SDN Insurance executive is William Gallagher, President.

The acquisition of assets of Landmark Group was completed on February 1, 2021. A staple of the Rochester community since 1984, Landmark was an independent insurance brokerage firm delivering insurance, surety and risk management solutions across many business sectors including construction, manufacturing, real estate and technology, as well as individual personal insurance. Landmark Founder and Chairman Kelly M. Shea and President Christopher K. Shea remain with SDN to lead SDN’s Rochester operations and continue their long-term relationship with current clients.

On August 2, 2021 SDN Insurance® acquired North Woods Capital Benefits LLC - a Buffalo-based employee benefits and human resources advisory firm with a mission of helping clients of all sizes navigate the complexities of employee benefits, human resources and compliance to control costs and maximize long-term savings.
timeline of SDN company

Five Star Bank, SDN Insurance Agency, LLC, Courier Capital, LLC and HNP Capital, LLC are subsidiaries of Financial Institutions, Inc., a publicly traded
company (NASDAQ: FISI). Additional information about Financial Institutions, Inc. is available at


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