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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.

Rich MacDonald

Sales Director

Rich MacDonald is Haylor Freyer & Coon’s Commercial Lines Sales Director.  He is responsible for the planning and directing of the agency’s sales force throughout Upstate, NY.  Rich has over 20 years of experience that includes loss control, underwriting and marketing responsibilities for 2 major carriers specializing in servicing mid-size to large accounts.  His experience includes working for the 2nd largest property carrier and the largest workers’ compensation carrier in his career prior to joining Haylor, Freyer & Coon.

Rich has over 15 years of management experience and has been directly involved in working with his sales representatives resolving client issues.  Areas of focus includes addressing property valuation and business interruption concerns, discussing alternatives to loss control recommendations and reviewing various workers compensation loss sensitive options to assist clients in identifying their best options to consider.

Rich has a Chemical Engineering Degree from Clarkson University and M.B.A. from LeMoyne College enabling him to understand technical issues and relating them to provide the best business solutions for clients.  These clients range in all sizes and industries and he worked with clients with over 10 employees to over 2,500 employees.  His area of industry experience includes construction, manufacturing, wholesale, real estate, retail, municipalities and healthcare.  Rich earned the Chartered Property Casualty Underwriter (CPCU) designation in 1992 , Associated Risk Management (ARM) in 1991, and the Associate in Management Designation in 1993.

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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