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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.



City, Town, Village, County Insurance in Syracuse & Upstate NY

How we make a difference

How we make a difference

Full Policy Reviews - We will study and analyze your current policy to help you determine if you have any coverage gaps or areas where your coverage doesn’t match your needs or where it might warrant improvement. We will do this on an annual basis.

Access to Markets - We have access to the top markets for municipal insurance. We will regularly market your insurance to take advantage of new coverage options and marketplace conditions.

RFP Consultation - We can help you execute an effective and efficient RFP process that will produce the best coverage and cost available. Most importantly, we make this process simple and less time consuming. If not done regularly, it could result in high costs and outdated coverage.

Claims Management - We have a dedicated claims management department on staff that will track and monitor claims on your behalf and will fight for you on any unresolved claim issue.

Workers’ Compensation - Our in-house WC Consultant will review open claims and assist with closing open reserves that are no longer needed and will reduce reserves that may be set too high. Closing/lowering reserves can ultimately lead to a lower WC premium upon renewal.

Risk Management/Loss Control - The key to long term cost savings is an effective risk management program. We have the staff and the solutions to help you keep your workforce safe. Some of the services we can offer include:

  • Preparation for OSHA & PESH inspections
  • Risk mapping Ergonomic evaluations
  • Safety programs and procedures Incident investigation training
  • In-house engineering services

Group Benefit Administration - Through our work with municipalities, we have actually saved governments millions of dollars with the utilization of our prescription drug savings platform. Find out how our employee benefits team can help your city, county, town or village.

Contact A Specialist

James A. Stoddard, Sr. Vice President

Jim services some of Haylor, Freyer & Coon’s most complex accounts. He has extensive experience working with Schools, Municipalities and other public entities. Having developed a specialized School/Municipality niche, Jim is able to provide his clients with specialized programs and...

Hank Chapman, Risk Management Advisor

Hank joined our firm in 2009 with vast experience in local government. He served as Town Councilor in Manlius from 2000-2002 and then as Town Supervisor from 2002-2008. He also worked as a local government liaison to the New York State Senate for 14 years. This local government background gives...

Tom Augostini, Benefit Consultant

Tom comes to Haylor, Freyer & Coon, Inc. with first hand knowledge and experience working with Municipalities.    Tom began his career  working for the City of Elmira as an Assistant to the City Manager.   In 1997, he started working for the Village of Johnson City, the 3rd largest...

Gia Diep, Director of Claims

An insurance professional with 18 years technical, training and management experience, Gia leads our Claim Advocacy Team in serving the needs and interests of our customers. Prior to joining Haylor, Freyer & Coon, Gia held Claim and Underwriting positions with Travelers Insurance....

Meghan Curry, Workers' Compensation Claim Consultant

Meghan brings to Haylor, Freyer & Coon a solid background in workers’ compensation claims management. After earning a degree in accounting from Niagara University in 1989, she began her career as a senior retail representative for Land O’Lakes in Arden Hills, Minn. Her responsibilities...

Patrick D. Salvador, P.E. , Director Risk Management Consulting

Pat Salvador is a Professional Engineer with more than 28 years of progressive risk management experience in general industry, construction, and consulting. Pat offers a strong compliance track record and extensive hands-on experience developing and implementing environmental, health &...

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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