Signature Client
We tailor your unique lifestyle and assets portfolio with comprehensive coverage and care.
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.
Risk Prevention Solutions
Don't react to losses - avoid them altogether. Work with us to learn how.
Safety Resources Library
Create a safer workplace and help prevent losses by browsing our collection of safety materials.
What Is My Risk?
Determine your organization's loss exposure by taking our quick risk assessment quiz.
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.
Personal Umbrella
We've all heard the stories: A lawsuit pops up and someone watches their assets disappear right before their eyes. And unfortunately, it seems to be happening more and more nowadays - but it doesn't have to happen to you. With a Personal Umbrella (also known as excess liability coverage) policy from Haylor, Freyer & Coon, you're protected from catastrophic loss, and your hard-earned assets and future earnings are too.
With access to many different insurance markets, Haylor can deliver a range of policy options at competitive prices. And even if you've already made the smart move of purchasing an umbrella policy, we'd be happy to review your current coverage to ensure you're getting the best possible coverage for your money.
Common Personal Catastrophic Loss Events
You have a party at your home. All children were given helmets before riding their bikes on the paved areas. A child removes their helmet and is badly injured.
The child’s parents sue and are awarded $1.1 million.
Home Insurance covers: $300,000
Without Umbrella Coverage,
you pay: $800,000
Your child hated math class as well as the teacher. They made several disparaging remarks about the teacher online and the teacher read them.
The teacher sucessfully sues the parents for $750,000.
Home Insurance covers $100,000
Without Umbrella Coverage,
you pay: $650,000
You turn a corner and accidentally injure a pedestrian in the crosswalk. He spends a few weeks in the hospital recovering.
Medical costs and lost wages amounts to $1.2 million.
Auto Insurance Covers: $300,000
Without Umbrella Coverage,
you pay: $900,000
A personal umbrella policy can cover a vast array of circumstances, but some common examples are:
- Automobile Liability - Provides coverage when you are operating a vehicle and injure someone else or cause damage to their property
- Uninsured/Underinsured Motorists - Protects you if you are in an accident with an at-fault driver who does not carry or does not have enough liability insurance
- Personal Liability - Protection from damages or injuries associated when you or someone in your household injures other people or property
- Recreational Vehicle Liability - Provides coverage when you are operting a recreational vehicle and injure someone else or cause damage to their property
- Watercraft Liability - Covers claim damages or injuries associated when you are operating a watercraft vehicle and injure someone else or cause damage to their property
Personal Umbrella Coverage Explained
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.
Personal Umbrella -
Frequently Asked Questions
- Why should I have a personal umbrella policy?
- What is covered with a personal umbrella policy?
- Who is covered by my personal umbrella?
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Personal Umbrella -
What It's Not For* :
- Personal/Business Disruption - No coverage for losses or damages to your personal or business property
- Disruption of Business - No coverage for claims related to business-related damages or losses
- Criminal or Intentional Acts - There is no umbrella coverage available that covers illegal acts or consequences resulting from intention to harm
- Contracts/Contractors - There is no umbrella coverage available that relates to contracts you've entered into with another person or entity
*Not applicable to all insurers and policies. Please click on the ? icon above for more information.
Related Resources & Insights
Get An Umbrella Policy
Find out how you can benefit from Haylor's wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!
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...
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-Ken Staub, Staub Trucking
Haylor, Freyer & Coon Announces move to revitalized One Park Place in downtown
January 4, 2019
SYRACUSE, N.Y. – Haylor, Freyer & Coon, a Top 100 independently owned insurance agency, is moving... Read More »
Quick Info
Haylor, Freyer & Coon, Inc.
Physical Address
300 South State St, Suite 1000
Syracuse, NY 13202
Mailing Address
P.O. Box 4743
Syracuse, NY 13221-4743
Physical Address
300 South State St, Suite 1000
Syracuse, NY 13202
Mailing Address
P.O. Box 4743
Syracuse, NY 13221-4743
Phone: +1 800-289-1501
Contact Us
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