Client Login

Get A Quote

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.



Haylor, Freyer & Coon was founded in 1928 by Burnett (Barney) E. Haylor and James McLusky as a local four-person insurance agency. From these humble beginnings, Haylor has grown steadily into a national agency. Today, we are a top 100 independently owned insurance agency in the United States with a reputation as a proven leader. A lot has changed in the more than eight decades we’ve been in business, but our core principles remain the same. We are dedicated to the well-being of our employees, and to providing insurance and risk management solutions with distinctive and exceptional service.


1920s Burnett (Barney) E. Haylor was a young insurance salesman when his father, a district chief with the Syracuse Fire Department, died of smoke inhalation. Afterwards, other fire chiefs allowed Barney to visit various firehouses to write personal insurance for firefighters.
1928 The agency was founded by Haylor and James McLusky as a small four-person agency in the Herald Building at 332 S. Warren Street.
1930s A single interest collision and “skip” auto insurance was developed for the Merchants National Bank and Trust Co. which allowed the bank to provide direct loans to auto buyers.
1946 After Jim McLusky passed away, Barney Haylor partnered with Raymond G. Haun to form McLusky, Haylor & Haun. The two were then joined by Clayton F. Freyer and Burnett (Bud) D. Haylor
1950s Douglas Coon joined the agency. The agency began specializing in life, medical and income protection insurance, both individual and group policies.
1954 Under the leadership of Ray Haun and Clayton Freyer, the agency launched a program to insure mobile homes, providing commercial and personal insurance coverage to mobile homeowners and dealers.
1970s The agency, by then known as Haylor, Freyer & Coon, Inc expanded and established departments to cover engineering services and transportation insurance. The success of the focused niches led to expertise in other areas: construction and bonding, collegiate student insurance, Student Health and Personal Property, and Municipalities and School Districts.
1981 The James Howard Wayne Association membership organization was established to help small businesses.
1982 HF&C acquired Goode & Webster and learned the value of partnering with “local” agencies to establish a presence throughout New York State.
1984 Acquisitions continued and the Northern Divisions were added, making Haylor, Freyer & Coon the largest independently owned insurance agency in the state.
2002 HF&C partnered with Dairy Farmers of America. The partnership led to the development of a program to provide insurance coverage to large commercial dairies, milk-processing plants and milk-hauling fleets across the U.S., in addition to providing healthcare and benefit programs to member dairy farms.
2006 Joined Assurex Global. With 600 Offices in 70 Countries, the partnership provides international clients with programs tailored to meet any regional or global requirements. Wherever the risk, there is an Assurex Global Shareholder ready to assist.
2012 Formation of a statewide Auto Recycling Captive
Today HF&C is a proven leader in the insurance industry, with approximately 180 employees and 6 corporate offices. ISO 9001 certified by the International Standards Organization and an ESOP (Employee Stock Ownership Plan)

Client Login

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.

Learn More