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Insuring all you Value

Auto

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

Home

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.

Government/Education

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.

Health

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

Travel

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.

Personal

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

Business

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

College

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

Captives & Financial Options

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Captive Programs in Syracuse & Upstate NY

When it comes to risk management, sometimes it pays to step outside of the “traditional” insurance marketplace. Through Captives, Haylor, Freyer & Coon can help you realize the benefits of underwriting profit and investment results. Over time, Captives have the power to stabilize your insurance premium and realize the lowest net cost.

Captives come in many shapes and sizes:

  • Single Parent
  • Association or Group Captives
  • Rent-a-Captives or Protected Cell Captives

Of course Captives in Syracuse & Upstate NY, as with any financial option, have their advantages and disadvantages. It’s our job to simplify the Captive approach to managing your business exposure to financial loss, make sure that you fully understand what a Captive can do for your company and properly compare it with other viable financial options.

Some of the possible advantages of a Captive are:

  • Stabilizes or reduces insurance cost
  • Allows you to retain underwriting profits and investment results
  • Improves cash flow
  • Tax advantages
  • A wholesale approach to purchasing reinsurance
  • Focus and control of claims and loss prevention services
  • Coverage customization

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