Providing Quality Services for Over 120 Years

Robert E. Schaff Ltd. has been a family-owned business since 1900 when Edward C. Schaff started the company. His son Edward R. Schaff started selling insurance in 1920. Robert E. Schaff (picture on left), son of Edward R. Schaff started selling insurance in 1945. In 1980 the company was incorporated and became Robert E. Schaff Ltd. In 1990 Robert's wife Suzanne M. Schaff took over operations. Suzanne's grandson, Garett Robert Farrugia, named after his grandfather joined the company in 2011.

Our business is committed to providing quality service to the community. We believe that a reputation as an honest and reliable business is the recipe for success. While others seek to profit by cutting corners or recommending unnecessary services to clients, we believe that a good reputation and consistent service leads to satisfied clients. By being trustworthy, we enjoy a long-term relationship with clients and the community.

For more information, send us a request on our "Contact Us" page, through email - [email protected] , or call (716) 683-7378 Call for a free no-obligation quote!

A black and white photo of a man smiling.

Find Us

A tree in front of a building on the corner.
Central Avenue Entrance
A brick building with trees in front of it.
Parking Lot Entrance
A person holding a pen and paper in front of a house.


The mission of Robert E. Schaff Ltd. is to offer expert advice and excellent service, in order to provide our clients with superior coverage at affordable prices.

Our Promises to You:

  • 1 We answer the phone!
  • 2 We know the insurance products. We know who has the best rates and we will provide them for you.
  • 3 We keep in direct contact with insurance carriers to stay ahead of the changes.
  • 4 We regularly continue our insurance education.
  • 5 We check policies at renewal to make sure you still have the best package.
  • 6 We keep your interest at the forefront when negotiating with insurance carriers.

Our Awards

A group of men standing around in front of tables.

Collaboration Award

Lancaster Area Chamber of Commerce

In 2016, Garett Robert Farrugia was recognized by the Lancaster Area Chamber of Commerce for his collaboration with his colleagues, other business partners, and other local businesses. Most notably his coordination of the Heroes Home Advantage program in our community, Robert E. Schaff Ltd. will donate 25% of their entire company’s commission in cashback, for savings up to $5,000. The Heroes Home Advantage real estate rebate program is available for all members of the military, law enforcement, firefighters, first responders, health care professionals, and teachers. Anyone in those lines of profession is eligible, whether they currently or previously served their country.

Two men in suits and ties holding a trophy.

Innovation Award

Lancaster Area Chamber of Commerce

In 2014, Robert E. Schaff Ltd. Insurance & Real Estate’s Vice President, Garett Robert Farrugia was presented the Innovation Award by Dino Fudoli, Town of Lancaster Supervisor, at the Lancaster Area Chamber of Commerce Award Ceremony! Most notably for bringing new ideas and technology to the agency.

A man in suit and tie holding a glass award.

Small Business of the Year

Lancaster Area Chamber of Commerce

In 2013, Recognized by the Lancaster Area Chamber of Commerce for our commitment to building a better business community in Lancaster, Depew, and Elma, NY. The award was based on revenue growth, innovative products or services, provides exemplary customer service, volunteerism in the Lancaster, Depew, Elma community, and demonstration of economic support of the Lancaster, Depew, Elma area business community.

Our Team

A man with blonde hair and wearing a black shirt.

Luke Hider, CSR

License Insurance, and Real Estate Agent

[email protected]

A man in a suit and tie smiling for the camera.

Garett Robert Farrugia, ePRO, GRI, ABR, BNAR Residential Specialist

Producer / President Insurance Agent/Broker
Licensed Real Estate Broker
[email protected]

A woman in black jacket and red shirt.

Anne Spraggins

Licensed Real Estate Agent

[email protected]

(716) 997-3216

Our office will be closed for the following holidays

Martin Luther King Day, Juneteeth, Presidents Day, Good Friday (Friday before Easter), Memorial Day, 4th of July, Labor Day, Columbus Day, Veterans Day Thanksgiving, Day after Thanksgiving, Christmas Eve, Christmas, New Year's Eve @ 1 PM, New Year's Day

A man handing keys to two women in front of him.


Play Video

Check out this great video