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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.

James K. Schaefer

CPCU, ARM, Risk Management Advisor

Jim Schaefer has been involved in commercial insurance for over three decades.  In 1976, he began his career as a Workers’ Compensation Field Claims Representative which laid the foundation for becoming one of Central New York’s most respected insurance representatives.

At Liberty Mutual for 30 years, Jim was responsible for sales and service of large commercial accounts.  These accounts ranged from single location risks to complex multi state operations.  Extensive experience in Transportation, Manufacturing, Healthcare and Social Services allows Jim to support some of Haylor, Freyer & Coon’s most complex accounts.  Jim offers his clients a wealth of knowledge in a wide range of risk financing approaches including Loss Sensitive, Large Deductible and Self Insurance programs.

With the support of an in-house Surety/Bond Department, Loss Control Engineering, Workers’ Compensation Claims Specialists along with a dedicated Large Risk Unit elevates the level of specialty services that Jim can offer each of his clients.

Jim earned the Chartered Property Casualty Underwriter (CPCU) designation in 1987, as well as Associate in Risk Management (ARM) in 1995.    Jim is a graduate of State University College at Potsdam with a degree in Economics.

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Winter Weather: Parking Lots & Sidewalks 

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