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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.

Tracy Cifra, CPCU

Risk Management Advisor, Director of Global Placement

Tracy is Haylor, Freyer & Coon’s International Gatekeeper working closely with our Assurex partners.  Tracy handles the foreign coverage issues for our firm as well as the coordination of the reverse flow business.

Prior to joining HF&C as a broker in 2004, Tracy had accumulated 15 years of experience as a senior underwriter with several major carriers.  Her experience and knowledge in this area as well as her successful transition to the brokerage world led to her being named HF&C’s lead international person.

Tracy has over 20 years of experience in the insurance industry and an extensive underwriting background.  Prior to joining HF&C, she managed an $11 Million dollar book of workers compensation business, primarily in the manufacturing, healthcare and service segments.  In addition to her international duties, Tracy handles a sizeable book of local business.

Tracy is a graduate of LeMoyne College, with a degree in Finance.  She obtained her Charted Property and Casualty Underwriter designation in 1995.

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Winter Weather: Parking Lots & Sidewalks 

Winter Weather: Parking Lots & Sidewalks 

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