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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 Benefits Programs & Products

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Haylor, Freyer & Coon’s comprehensive analysis will provide a bigger picture of where you stand, and where you want to go – and our expertise allows us to use this information to help you create that long-term strategy. Whether it’s illustrating how you’re trending based on past experience or outlining a 3-5 year plan, this comprehensive approach helps ensure that your plan is not only sustainable and fully compliant, but also meets your goals moving forward.

As one of the top 100 agencies in the country, we have the expertise and leverage to aggressively negotiate with insurers. We have long-standing relationships with all major carriers, giving us – and ultimately you – access to a range of product options at affordable rates. In other words, you’re not limited to one or two options when it comes to health and dental program options. You can choose from a world of packages from the biggest names in the business, all with the caring and attention to detail of an employee owned,  local agency with local sales and service teams.

Our comprehensive analysis includes:

  • Employee Surveys
  • Ongoing data analytics and reporting
  • Continuous benchmarking
  • Claims evaluation
  • Program design, modeling and forecasting
  • Data analysis and reporting system
  • Complete renewal management
  • Program marketing and analysis
  • Health and wellness support
  • Compliance
  • Technology assessment
  • Auditing and compliance support
  • Funding Arrangements

Our extensive product offerings include:

  • Medical
  • Dental
  • Vision
  • Medicare – Group and Individual Programs
  • Life
  • Accident
  • Disease Policy
  • SPD
  • 5500
  • Section 125
  • Wellness
  • Compliance


Contact A Specialist

Thomas J. Flynn, Benefit Consultant, Vice President, Director Group Benefits Division

Tom offers employers a wealth of experience in health and employee benefit management. He has been involved in the design, implementation and management of employee benefit programs for over 26 years. His out of the box thinking provides long term solutions with an eye not only on todays cost...
315-703-3215 or 585-385-6600

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...

Rebecca Perkins, Benefit Consultant

Becky joined Haylor, Freyer & Coon in 2007 bringing 8 years of prior experience and knowledge of the group benefits market and insurance industry. As an Account Executive, Becky’s focus is to obtain the most appropriate and competitive benefit package possible for large and small employer...

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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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