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Through experience and relationships, we’ve created the perfect environment to help with liability and risk.

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Let our experts help keep your workers’ comp claims – and your costs – under control.


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


Brown’s Feed, Inc has worked with Becky Perkins for many years and continue to do so because of the personal service that she brings to our company. From the early morning meetings to meet the needs of our employees, to the emails just checking to make sure all is going well. We also take advantage of the other benefit services that Haylor, Freyer & Coon offer, such as health care reform and compliance. We look forward to many more years of doing business together.
-Brown’s Feed, Inc ,

Haylor, Freyer & Coon and it's representatives have been instrumental in keeping my companies protected from all facets of liability. As the owner of several small businesses my time and focus is on my customers and my employees. My relationship with Haylor, Freyer & Coon has allowed me the freedom of not having to worry about my business insurance coverage. From my garage liability to my workers compensation insurance Haylor, Freyer & Coon had us covered.
-Salvator J. Vigliotti, Sam's Auto Body & Service Center

Haylor, Freyer & Coon, Inc. provides exceptional service to the Town of Union covering its insurance needs. The service extends to a committed partnership that allows the Town to effectively operate while knowing it is adequately protected.
-Laura J. Lindsley, Town of Union

We have had a long and successful working relationship with Haylor (HF&C) resulting in the best insurance value for our money over the years. In particular their day to day customer service has saved us considerable time and effort. As issues surface, as they always do, Haylor’s competent staff has solved our problems quickly and with our best interest in mind. I would recommend their services to anyone.
-Ken Staub, Staub Trucking

We have been very satisfied with our experience working with Haylor Freyer and Coon. They have saved us significant premium dollars and customer service team is excellent. With would highly recommend them to other businesses in the area!
-Mark Ilacqua, Suburban Transportation, Inc

I would like to recommend the Haylor, Freyer and Coon Insurance Firm for Business Insurance coverage. We are a returning client and have always been very pleased with their services. They were able to provide valuable insight on areas of need, while delivering a very reasonable quote for the amount of increased coverage. All in all, we are very happy we chose to renew our partnership with Haylor, Freyer and Coon.
-Bradley R. Corbin, School Business Administrator

We have retained Haylor Freyer & Coon as our insurance agency for many years for all aspects of our construction business insurance. We have found them to be extremely honest, professional, responsive. They have gone above and beyond our expectations for what we consider our agency to be handling for us. We would highly recommend them for any of your insurance needs. Thanks….
-Jean, Syracuse Mosaic Terrazzo Corp

We made the decision to hire Jim Schaeffer, of Haylor Freyer & Coon, as the broker on our workers’ compensation coverage several years ago. With the ever-changing landscape of insurance, his experience and dedication to our organization has been essential. With this change, we also gained the support of Meghan Curry on our claims. She works closely on our behalf with the carrier to ensure that claims are handled in an appropriate manner. With their combined expertise and support, Jim and Meghan have saved us tens of thousands of dollars over the last two years.
-Emily, Alice Hyde Medical Center

My ten year relationship with HFC in general, and my Account Executive specifically, has been sustained because of the unwavering accessibility and specific industry advice. My HFC Account Exec has never been anything but positive, optimistic and thorough, as have those who support her.
-Gary Keenan, JAG Transportation & Logistics

As a public school district, we are always looking for the best value for the taxpayer's dollars while maintaining a high level of protection for the taxpayer's investments in its educational infrastructure. HFC has always provided professional, personal, and responsive service to the district and gives us immeasurable help in achieving our risk management needs. The district has been well served for years by the staff at HFC. Thank you!
-James Koch, Indian River Central School District

Abscope Environmental, Inc. is embarking upon its 25th year in business. As such, many of the professional relationships we’ve established over the years have transcended simple “relationships”; they have in fact, become partnerships. HFC has been our partners in the insurance business for over 3 years and the association has been nothing short of exceptional. Abscope is in the environmental contracting business, performing work in multiple states. Our project mix is constantly changing, along with our site specific insurance needs. HFC goes way beyond simply providing us with insurance policies. They have become our partners in executing our contracts. Through their value added services of providing constant guidance on workers’ compensation issues, jobsite safety policies, contractual liability clauses, property damage claims and employment practices—HFC has taken an active role in becoming not only our insurance agency, but our risk managers. Responsiveness in the environmental contracting business is paramount for success, and HFC has demonstrated the ability to get us what we need on an immediate basis. It is not uncommon for HFC to provide critical information to our management after business hours, via emails and cell calls. HFC has certainly demonstrated its commitment to extending our “partnership” well into the future.
-JR, Abscope Environmental

HF&C has provided exceptional service with their incredible staff and attention to our company needs. They have made acquiring insurance an easy task!

My family and I have been clients of Scott's for many years, even following him from his prior employer to Haylor. He makes sure to get us the best rate he can, without sacrificing proper coverage or the service we deserve. When we have had the misfortune to have had a claim, he has been right there to make sure we are taken care of properly and promptly. I would highly recommend Scott to all of Haylor, Freyer & Coon's clientele.
-Art Farley, Carbone Cars

I have been an HFC client for the past fifteen years. Products I have utilized are auto, homeowner’s, boating and recreational vehicle insurance, and a general liability umbrella. Anytime I’ve needed anything, I feel like I’m calling a friend when I call HFC. I always speak with a familiar voice. They are always efficient, informative, and friendly. I’ve have had two claims in the past: one for ice damage, and one for a boat accident that resulted in a total loss. Thanks to HFC for handling both incidents with the professionalism that you promise your clients.Hats off to Mike Alexander, Lynn McIntyre, and Sheila Guenette!
-Fritz Gentile,

We are writing to express our sincere thanks to you and the many people at HFC who helped us through a loss of our residence. Last August, our long time home in Manlius experienced a serious fire that destroyed both the home and the contents within, Haylor did an amazing job communicating with Travelers and helping us through the process. Jody Blaziniski has been our agent for many years and she has always had our best interest in mind. Her support as well as Sheila's keeping our coverage needs accurate is much appreciated. We have been clients of HFC for twenty years and have all the confidence in every member of your team. Your personal support in this matter went above and beyond and we thank you.

The complexities of the insurance industry require trust in the company they are doing business with. The average consumer will not pick up on the vagaries and nuances of an insurance contract. HF&C has given us that comfort level of trust that you are matching the right products to our requirements. In addition, the great response to our inquiries has not gone unnoticed. We have had a several year relationship, and can say that customer service is ingrained in the culture.
-GM, CNY 15 Year Client

HF&C is an awesome longtime partner. The professionalism of HF&C Workers Compensation team that I am fortunate to work with are very responsive to all difficult matters that either I or my valued members face. Their perseverance and patience to get them resolved very quickly certainly pays big dividends both to our members and our business. We are very successful in the insurance products HF&C provides to us because of HF&C’s diligent and caring efforts to support us in our customer service initiatives. I cannot be more pleased in their execution and attention to details in everything they do.
-Ralph F. Gaiss, Northeast Equipment Dealers Association, Inc.

The Town of Salina has been with HF&C for the past five years. They have always been responsive to all of our needs and I feel comfortable knowing that we have the protection we need at the most competitive market rates available. I don't have to worry about shopping for the best deal for our town, the team at Haylor does that for me. If our rates look like they're going to go up too high or our coverage needs improvement, they will get us competing bids to ensure we are with the insurance company best for us. I highly recommend the services from Haylor, Freyer & Coon.
-Mark Nicotra , Salina Town Supervisor

Two years ago we switched to Haylor, Freyer & Coon, and have been more than satisfied with the move. With Haylor, Freyer & Coon we were able to save money and still increase policy coverage. They worked to give us a quality insurance program; with the coverage we sought, but found ways to trim costs in other areas. As a governmental entity we are always looking to save our constituents tax dollars, and Haylor, Freyer & Coon helped us to do that, and they continue to work with us finding additional savings even after we signed on. All entities, especially municipal agencies, need to have someone who looks out for their best interest when it comes to specialized areas such as insurance and risk management. We strongly feel we have found that with Haylor, Freyer & Coon.
-Patrick M. Tyksinski, Town of New Hartford, N.Y.

Haylor, Freyer and Coon, Inc. and my insurance agent, Sean Dalton, have provided insurance for my various businesses for many years. In that time, I have had occasions upon which I have had to file claims for losses incurred, and I have had the need to speak with my agent to address how to prevent future claims and to address operating procedures in response to changing laws and changes in the industry. In every instance, Haylor, Freyer and Coon, Inc., and specifically my agent, Sean Dalton, have always been helpful and assisted me to the fullest extent possible, and fought to ensure that I received a proper outcome in regard to any filed claims. The loyalty and prompt response of my agent, Sean Dalton, has created a strong working relationship between me and my agent and has secured my loyalty as an insurance customer of Haylor, Freyer and Coon, Inc.

I have been a customer of H,F & C for the last five years. Jim Schaefer is the Account Executive for our account. Jim Schaefer has done an INCREDIBLE job of taking care of our company, he is always looking out for what is best for the business and not just selling insurance. His years of experience and his knowledge of the insurance industry has helped put my mind at ease with the insurance aspect of the business. He has a unique ability to explain complicated insurance terms so I can understand and make a decisions. It makes it easier for me to focus on running the business knowing that I have Jim to call and explain or handle any situation that may come up, which is very important to me! Denise Conti and the rest of the team at H, F & C who I have directly or indirectly worked with have been just as instrumental in supporting our organization so that I have no insurance worries! Thank you very much for your help!!
-Kent Pennell, Indian Valley Industries, Inc.

HF&C has continually provided quality and professional service. They are a valued partner that we can trust as we grow and evolve our business
-Mollie Martin, Otis Technology

The New York Housing Association has had a strong business relationship with Haylor, Freyer & Coon for more than 60 years. They have provided insurance coverage for every Association need, even special events such as large trade shows. Their professionalism and customer service is second to none. I would highly recommend them to any not-for-profit organization.
-Nancy P. Geer, New York Housing Association

Integrity, service and personal attention. HFC is an essential and extremely responsive partner in this regard. They adapt to our needs and provide a value added service that allows us continued success.
-Wayne E. Gould, Kennedy Mechanical Plumbing and Heating Inc. Ryan Plumbing, Heating, A/C and Fire Protection LLC

To Whom It May Concern, I have had the great pleasure of working with Haylor, Freyer & Coon for almost one year now. During our RFP process which concluded in Q4 of 2009, HF&C was pitted against the normal list of large global insurance brokers, including the incumbent. From the very first meeting and throughout the very competitive RFP process, HF&C readily distinguished themselves from the other brokers whom after a while, all sounded the same. However, HF&C sounded different and helped make what seemed to be a difficult decision into a relatively easy one. We selected HF&C because of the intangibles....they expressed a deep concern for all aspects of our global business and a genuine willingness to back it up with world class service. They have not disappointed. They have excelled. Ultralife is a relatively small public company at about $175M in annual sales. However, our underlying business, comprised of battery & energy products, communications systems and energy services, is rather complex. Our needs are global and constant. Our management style and values are based on teamwork and caring, which includes our critical outside vendors. Immediately upon selection, HF&C became a critical part of the Ultralife family. I continuously challenged them in China, Europe, India and at home in the US...and they have met every challenge with lower fees, greater coverage, innovative products and exceptional service. The scope of services that they now provide us has expanded as they have developed a more in-depth understanding of our business. Their services now cover the full range of our insurance and related needs across the globe, far more than what we had initially anticipated. The roots of the great relationship that has developed between Ultralife and HF&C are Tracy Cifra, Vic Marchetti and the great support team of HF&C. They are known as the "A Team" in our Corporate offices. Tracy and Vic have made the transition into a virtual non-event and have extolled their insurance expertise and reach upon us in ways that we couldn't have imagined. The bottom line is that Ultralife is a far stronger company with HFC in our corner, We could not be happier with this relationship.
-Philip A. Fain, Ultralife Corporation

We’ve been working with Haylor for our insurance needs and are very impressed with the professionalism and quick response of the agents. Mark Crisafulli, our representative, actually took the time to come out and meet us as new clients adding to the personal touch this company offers. Mark also went above and beyond when we were dealing with our workers compensation insurance through New York State – he went through the policy and told us the fee structure was inaccurate and offered to help us work with the state in correcting the issues as an additional service, even though there was no monetary incentive to help us other than being nice! Mark also helped us get the camera program through our insurance since he knew we were interested in getting them on our own. I would definitely recommend working with Haylor, especially Mark Crisafulli.
-Sheri, Star Travel & Tours

PEACE, Inc. has been a satisfied customer of Haylor Freyer & Coon ("HFC") for more than 15 years. During that time we have been extremely pleased with the insurance products and the quality of service that we have received from HFC. HFC brokers our commercial package, workers' compensation and health and dental policies for our agency which includes more than 350 employees, nearly 4,000 volunteers, a fleet of 101 vehicles, and 38 locations throughout Onondaga County. For PEACE, Inc., cost management and customer service are the two most important priorities. HFC has helped PEACE, Inc. to manage effectively the cost of our insurance premiums and in some cases to even reduce premiums. In addition, HFC has provided excellent customer service. HFC's knowledgeable staff provides timely, pleasant and prompt responses to any questions or challenges that arise. Here are some specific examples of the ways in which HFC goes above and beyond: • HFC provided advice with respect to a recent OSHA complaint and spent a lot of time in meetings, research, on site visits and help with drafting responses to OSHA. HFC responded very promptly and effectively to help us deal with a situation that could have become a much bigger problem. • In order to help contain Workers Compensation Insurance costs, HFC provides one on one workers compensation claims quarterly review meetings. They complete in depth reviews to actively resolve and close the outstanding claims. • HFC provides knowledgeable, professional staff to help answer all questions about our policies and the constant changes to our commercial insurance policy (i.e. adding and changing locations, adding and deleting vehicles, increasing limits, etc.) • One of the HFC team attends our agency's safety committee meeting to offer advice on workplace safety. The representative completed a safety assessment on all of our building sites which (1) allowed us to be pro-active in identifying and addressing potential safety hazards and (2) provided critical information for our Emergency Preparedness Manual. • With respect to our group health and dental insurances, in a time of rising prices, HFC representatives have worked diligently in researching the market place for products that provide benefits at the most reasonable cost. In addition to providing excellent service and products, HFC prioritizes giving back to the community and works with PEACE, Inc. on an ongoing basis to improve the quality of life for families with low incomes in our community. HFC participates in our holiday giving program and faithfully supports our annual Champions of Diversity fund raiser. Most recently, HFC donated funds to provide more than 100 children with a summer camp experience and to send 100's more children on special summer day trips. PEACE, Inc. appreciates HFC’s excellent customer service, vast experience within the insurance industry, commitment to the community and clear understanding of our unique needs. If you would like to discuss anything further, please feel free to contact Nancy Turo, Controller at 315-634-3728 or or Catherine Green, Human Resource Director at 315-¬634-3718 or
-PEACE Inc.,

The purpose of this letter is to summarize the strengths of Everett Griffith as a Health & Safety consultant and to reflect on the time and expertise shared with WeCare Organics, LLC. by him, over the past several years. Mr. Griffith first began assisting WeCare back in 2009 and 2010, providing surveys of our various facilities and conducting trainings for the employees located there. In 2012, he became involved in a comprehensive analysis of WeCare’s corporate-wide H&S program. In this initiative, he was able to cite various key strengths and weaknesses of the program, and making multiple recommendations to bolster our efforts. One of those recommendations was to institute a full time EH&S Director position within the company, and upon being hired to serve this role in early 2013, Ev has been my first point of contact for all things H&S related. Of the many strengths and points of assistance Ev has provided since that time, certainly one of the primary elements has been his attention given to us as a client. As a consultant he goes far above and beyond assistance one could commonly expect. For example, while having nearly 100 on-going projects and clients, he has consistently gone out of his way to respond to all questions and communication in a very timely manner, and has conducted multiple on-site training sessions for our various facilities throughout the east coast whenever it was needed. Ev’s other strong suit is his refined knowledge of Federal H&S regulations. While certainly comfortable and very helpful assisting us at the programmatic/corporate-plan level, he is equally knowledgeable about the minutia of various regulations, including confined space retrieval considerations, lengths of machine guardings needed, and so forth. I feel that he really views the understanding of these topics for employees as central to the program’s success, not just viewing each segment as box “check-off” items. Overall, Ev Griffith provides a sound balance in working with a client and suiting their needs, by knowing that each company has unique operations and characteristics that must be considered, but also helping them to meet and exceed federal standards of compliance. I would highly recommend his service to anyone in need of such a knowledgeable and attentive Health and Safety professional and I would be happy to be contacted for further discussion.
-Chris Franklin, WeCare

The Town of Owego was unable to remain in the Tioga County Consolidated Municipal Health Insurance Program (TCCMHIP) which presented a new challenge to the Town. Essentially we had to start a new Health Insurance Plan for our employees and retirees. The Town of Owego partnered with Tom Augostini of Haylor, Freyer & Coon and he was with us every step we took with our employees and retirees in explaining the changes for 2014. Change is not easy in the world of government but I am so glad I asked Tom for assistance. Not only do I need an agent that understands employee benefits but I also need an agent who understands municipal budgeting, collective bargaining and Medicare. I found all those skills in Tom Augostini and Haylor, Freyer & Coon
-Don Castellucci , Town of Owego Supervisor

Becky Perkins of Haylor, Freyer & Coon, Inc. has been a great resource and partner to our company O.W. Hubbell & Sons, Inc. Throughout the process of evaluating and choosing a health plan for our employees, she was very knowledgeable in the products and took the time to explain the many different and complex combinations of plans that we were looking at. Her understanding of our business and our employees was demonstrated in the guidance she provided us in the decision making process. She came to our different shops to give presentations on the new plans, answering our employees questions and concerns. She has been great in assisting us in the creation of our company wellness program. Becky is very personable and easy to work with. She is always available and on the rare occasion that she doesn’t know the answer to a question we have, she will find it out for us. Additionally, Kristin Mohat has been terrific in providing resources in other areas of human resources when I have needed it. I recommend Becky, Kristen and Haylor, Freyer & Coon, Inc. overall as a broker to any company.
-Kerie Albano, Hubbell Galvanizing and Fortress Fusion Coatings, Inc.

Just wanted to let you know that Haylor, Freyer & Coon is fantastic. The Village of Manlius switched to HF&C about 3 years ago. Customer service is super important to us and they are responsive, pleasant, helpful and have reduced our insurance costs about 30%. No exaggeration. We couldn’t be happier with them.
-The Village of Manlius,

We have experienced the support of HF&C's team of professionals who look out for us as if they had a stake in our outcomes... how refreshing! A very accessible, responsive, intelligent, helpful team of people to work with, to help us watch our backs in today's complex business world. I give a two thumbs up recommendation to use HF&C for your business needs.

To Whom it May Concern; Tony Procopio's work and commitment has impressed me on multiple levels. He is constantly thinking of ways to improve our insurance program, while never losing sight of the fact that costs have to be controlled. He keeps us current on any upcoming changes in the world of insurance that could impact our business. He is a great communicator, always available to answer questions, and a pleasure to work with.
-Gary N. Young, Con Tech Building Systems, Inc.

As a growing company, we felt as though we needed experts in all aspects of insurance / risk management to help grow with us. Being that Haylor is also a growing and locally owned company, they helped us consolidate brokers, save us money, and give us the experience and service we need to focus on our business. We would strongly recommend HFC to anyone considering insurance needs
-Frank Parella , Cleantec

The College of Saint Rose has been working with Haylor, Freyer and Coon for the past eight years and have been totally satisfied with the quality service they provide. They have been true partners working side by side with us in offering quality health insurance for our students. It has given me piece of mind knowing that I can depend on the professionals at HFC to respond to and quickly respond to any questions and concerns that arise.
-The College of St. Rose,

Tom Palmer and HFC have partnered with us to be consistently able to provide quality products to our clients. We know we can count on their personal and ethical service to our programs.
-Buffalo EDU,

I am relieved to know that there is a knowledgeable, capable resource that is WILLING to help. With this recent debacle involving another Insurance Company, I would venture to say we would be nowhere near finalizing the many obstacles they managed to throw at us without you on our team. Actually, in this case, I believe your persistence literally wore them down and they realized the only way to get you to go away was to hold up their end of the deal. With you holding them accountable, all is good again here. I’m glad you’re on board. And thanks for your continual efforts and follow up attitude to “close the case”. In the insurance world, I would say you are very unique! Sincerely, Jim, Mountain Milk
-Jim, Mountain Milk

To Whom It May Concern Our company recently switched our commercial liability and automobile coverage to Haylor, Freyer & Coon and I wanted to take the time to pass along our gratitude for the fine service and savings we have received as a result of switching. The process of switching insurance carriers presented me with the potential for a great deal of work but Haylor, Freyer & Coon provided full turn-key service making the transition very smooth and much quicker than I thought it would be. We have received professional and un-biased advice on how best to manage our insurance for both the coverages we carry with them as well as the coverages we carry elsewhere. The staff is prompt to respond to all requests ranging from insurance certificate requests to general policy related questions. Respectfully, Matt Wallack Aerial Erectors, LLC
-Matt Wallack, Aerial Erectors, LLC

We have had a relationship with HF&C almost from the start of our business. The service has been great, the people are responsive, the attention to what the needs of our company are makes the difference. Great people, great service equals great value.
-Joe Simon, President, Central Auto Recycling, Inc.

We were referred to Haylor several years ago because of their reputation with milk haulers. We had mounting insurance problems and Scott came up with the solution. The service is consistently good and Haylor makes me feel that we are an important client
-Susan Workman, Workman Trucking

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