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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.

Financial Options

When making any business decision, there are a number of factors to consider. Selecting the financial option that best meets your company’s needs is no exception. Fortunately, you’re not alone. Haylor, Freyer & Coon can help you analyze all the options and help you select the one that’s best for your company. Points of consideration include the following:

  • Corporate philosophy concerning Loss Prevention & Claims Management
  • Loss range projections
  • Premium size
  • Corporate financial condition
  • Corporate cash flow needs
  • Availability of security (Letter of Credit)
  • Employment dynamics
  • States of operation

When all the data is accumulated and analyzed, the various options will be compared using the following methodology:

  • Selection of a reasonable loss range projection
  • Looking at the “top end” exposure versus the plan expenses
  • Comparing the various options based on a “discounted cost” analysis at the projected loss range

It’s all part of a comprehensive process aimed at designing and negotiating a plan that allows for the best cash flow and the lowest expenses at your projected loss range and limits your company’s top end exposure.

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