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Insuring all you Value


Getting the complete coverage you need is no accident. Request a quote today.


When it comes to writing policies that protect you over time, we’re right at home.

Recreational Vehicles

Get out there and have fun. We’ll make sure no worries stand in your way.

Commercial Business

No matter what your business is, being here to insure all you value is ours.


After more than 85 years of excellence, the right choice for insurance is public knowledge.

Manufactured Housing Dealers & Communities

Peace of mind can’t be manufactured. Turn to our Manufactured Housing Division for help.

Administrative Relief Technology

Choices, Private Exchange, compliance, technology and streamlined administration of all your employee BeneFITs in one easy-to-use, secure website.

Compliance Management

Healthcare reform, compliance and education training can help ensure the protection of your company and your employees.

Employee Health Improvement

Employees are your company’s biggest asset. Wellness fosters presenteeism, improves productivity and creates a happier, healthier workforce.

Student Property

You value your personal property. Now learn how you can protect it. Get a quote today.


Keeping you in the classroom and protecting your well-being, on campus and off.


Worldwide coverage for every study-abroad experience

Loss Prevention Solutions

Don’t react to losses – avoid them altogether. Work with us to learn how.

Environmental Management Solutions

Through experience and relationships, we’ve created the perfect environment to help with liability and risk.

Claim Advocacy

Let our experts help keep your workers’ comp claims – and your costs – under control.


From cars to homes to toys, if you can buy it, we can insure it. Get a quote today.


When it comes to your business, we’re more than an insurer – we’re your trusted advisor.


For student health, personal property or specialty insurance, we’re always the smart choice.

Employee Owned & ISO Certified


Every time you interact with Haylor, Freyer & Coon you’re talking to the owner of the agency. Well, one of 180 owners, to be specific. Haylor is an employee stock owned company (ESOP), which guarantees that you benefit from the dedication of a business owner, not just an employee. When every person in a company has a vested interest in its success, it shows in the form of superior customer service. Turn to us for your insurance needs to experience it for yourself.

Ask most of our customers, and they’ll tell you that our level of excellence when it comes to service is beyond measure. But in reality, it’s quite precise. Haylor, Freyer & Coon, Inc. made the decision in 1999 to achieve a measured level of excellence in customer service. To achieve this goal, a certification to the ISO 9001 Quality Management System standard was initiated.

The ISO 9001 standard is internationally recognized and identifies an organization that has built a business process that is client-focused, measured for effectiveness and continually improved. To maintain our certification, a third-party organization audits our operations twice a year and must recommend us for recertification every three years. HF&C is proud to be certified at our Syracuse, Rochester, Watertown, Johnson City, and Ithaca Locations.

What does it all mean? Any insurer can talk about great customer service. We’re one of a select few with the certification to prove it.

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Compare costs for medical procedures? You bet!

Compare costs for medical procedures? You bet!

High Deductible Plans - When it comes to medical tests or procedures do your research. Shop around, compare prices, ask questions, check quality ratings.

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