About Us

L&T Insurance Agency Inc. was the Creation of Michelle Lebel and her family. With over 30 years in the Insurance Industry, she has built an Agency based on family values.

Working previously for Liberty Mutual as an Insurance Agent she learned the ropes in all factors of Property, Casualty, and Life Insurance for personal markets. After years in the Corporate environment, she yearned to carve a new office environment for both clients and staff. Her ideal atmosphere includes the basic desire to care for clients’ business needs as well as make them part of the Agency family.

In 2007, Michelle opened L&T Insurance Agency Inc. with her niece Danielle and daughter Noelle. Victoria Judd is now the Vice President and Sophia Cuccaro is our fulltime Customer Service Representative.

Meet Our Staff

As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business.  Building a long-lasting relationship with our clients is our number one priority.

Michelle Lebel

Direct: (585) 857-0070

Victoria Judd

Vice President of Sales
Direct: (585) 455-3379

An Independent Advantage

We are Independent Agents in Henrietta, New York, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Michelle Lebel Agency represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.

Our Insurance Carriers

As independent agents, we have established long-term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.