Haylor, Freyer & Coon

What Haylor, Freyer & Coon does

Haylor, Freyer & Coon, Inc. (HF&C) is a privately held, employee-owned insurance brokerage and risk management firm founded in 1928 in Syracuse, New York. The firm operates as a multi-carrier independent agency with access to more than 50 insurance carriers, distributing personal lines (auto, home, life/long-term care, recreational vehicles), commercial and public entity coverage (property/casualty, workers compensation, surety bonds, cyber, employment practices), employee benefits consulting, collegiate insurance programs for colleges and universities, and alternative risk financing through captive insurance arrangements. HF&C maintains approximately six offices across New York State (Syracuse HQ, Rochester, Schenectady, Watertown, Johnson City, Auburn) with a professional staff of about 180 advisors, serving more than 25,000 personal lines policyholders and over 100 public school districts. The firm was named to Business Insurance's 100 Largest Brokers of U.S. Business in 2022 and has appeared on the Insurance Journal Top 100 list for 16 consecutive years.

The firm's revenue model is primarily commission-based on carrier placements, supplemented by fees for risk management consulting, claims advocacy, loss control services, employee benefits administration, and captive insurance program management. Distribution combines direct field sales through branch offices, an inside-sales contact center for personal lines, and association partnership channels (ARANY, NAEDA, NYSNLA, TANY) that grant exclusive group program access to member organizations. In 2022 HF&C became a company member of Alera Group, a national insurance and financial services firm formed through mergers of entrepreneurial agencies across the United States, extending HF&C's reach through Alera's national infrastructure while preserving local operations. The firm has additionally established international coverage coordination capabilities through Assurex partners.

HF&C's technology stack is brokerage-oriented rather than technology-product-oriented. Proprietary platforms include HaylorRx for prescription drug program review and pharmacy spending reduction, a healthcare business intelligence and analytics platform for cost and quality analysis, a collegiate waiver and enrollment portal for student health programs, and OSHA compliance and safety training tools for manufacturing clients. No self-service consumer platform, mobile application, public API, or AI/ML-specific capability is disclosed in the source data.

Name

Haylor, Freyer & Coon

Legal name

Haylor, Freyer & Coon, Inc.

Website

https://haylor.com

Company type

Private

Founded year

1928

Operating status

Operating

Headcount range

101–250 employees

Short description

Haylor, Freyer & Coon is a privately held, employee-owned insurance brokerage founded in 1928 in Syracuse, New York, offering personal, commercial, public entity, collegiate, and high-net-worth insurance through six New York offices, 180 advisors, and 50+ carrier relationships.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Insurance brokerage
• Commercial insurance
• Personal lines insurance
• Employee benefits consulting
• Risk management services

Headquarters

HQ city

Syracuse

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Earn commissions from insurance carriers for placing business. Revenue derived from commissions on personal insurance (auto, home, life), commercial insurance (property, casualty, workers comp), employee benefits, and specialty lines.
2. Risk Management and Consulting Services: Fees for claims advocacy, risk control consulting, loss prevention, and alternative risk financing advisory services including captive insurance program management.
3. Employee Benefits Administration: Benefits consulting and management fees for group health insurance, Medicare plans, and employee benefit program administration.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Haylor, Freyer & Coon is an independent insurance brokerage firm that places personal, commercial, and collegiate insurance coverages for clients through access to more than 50 insurance carriers. The firm delivers risk management, claims assistance, surety bonds, and employee benefits consulting across industry-specific practice areas including municipalities, schools, healthcare, manufacturing, construction, transportation, and recreational vehicles.

Product overview

Haylor, Freyer & Coon is a full-service insurance brokerage firm that operates as a unified platform offering personal insurance (auto, home, life, recreational vehicles), business insurance (property, casualty, workers compensation, cyber, bonds), employee benefits consulting, and specialized industry verticals. The company also provides premium Signature Client services for high net worth individuals. The firm functions as a multi-carrier agency with access to over 50 insurance companies, delivering solutions through direct advisory services rather than a self-service technology platform. Core service offerings include claims advocacy, risk control consulting, and alternative risk financing through captive programs. The company primarily operates in New York State with specialized expertise in sectors including auto recyclers, construction, healthcare, manufacturing, municipalities, schools, and transportation.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance coverage placed through multiple carriers for individual drivers and families, including specialty vehicles.
• Homeowners and Renters Insurance Property insurance for homeowners, renters, and condominium owners covering dwelling, personal property, and liability exposures.
• Life and Long-Term Care Insurance Life insurance and long-term care insurance products for individuals and families addressing income protection and extended care needs.
• Recreational Vehicles Insurance Insurance for recreational vehicles including ATVs, boats, motorcycles, snowmobiles, and travel trailers.
• Signature Client Services Concierge-level personal risk management and insurance program design tailored for high-net-worth individuals and families.
• Business and Public Entities Insurance

Quantifiable outcome

• Over 25,000 personal insurance policies in force providing economies of scale for competitive rates
• +3 more outcomes

Named customers12 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Alera GroupcoreStrategic or Co-development Partner · 1 January 2022Haylor, Freyer & Coon joined Alera Group in 2022 as an Alera Group Company. Alera Group is an independent, national insurance and financial services firm created through merger of high-performing entrepreneurial firms across the US. HF&C maintains local operations while benefiting from national resources and broad expertise.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Tompkins Insurance Agencies: Independent insurance agency headquartered in Ithaca, NY serving personal, commercial, and employee benefits clients across upstate New York with similar multi-vertical specialization and carrier-access model. Closest direct comparison to HF&C given overlapping NY geography, employee-ownership structure, and mid-market commercial emphasis.
• Starkweather & Shepley Insurance: Providence, RI-based independent insurance brokerage with comparable size, multi-generational family ownership, and Northeast regional focus across commercial, personal, and benefits lines. Similar diversified-carrier agency model and community-anchored positioning to HF&C.

Broad incumbents

• Hub International: Large North American insurance brokerage with a regional office model that aggregates independent mid-market agencies, including several New York firms. Similar mid-market commercial property/casualty and employee benefits focus, but operates at materially larger scale and broader geographic footprint than HF&C.
• Brown & Brown Inc. National insurance brokerage built through acquisition of regional agencies, with deep specialization in commercial property/casualty, employee benefits, and industry-vertical practices. Comparable mid-market commercial orientation and carrier-brokerage economics, though substantially larger and publicly traded.
• USI Insurance Services: Large national insurance brokerage and employee benefits consulting firm with regional office structure and industry-vertical specializations. Operates with the same multi-carrier brokerage model and consultative sales approach as HF&C, but at substantially greater scale across all 50 states.
• Acrisure: Fast-growing national insurance brokerage platform built through aggressive acquisition of mid-market regional agencies. Closely comparable go-to-market model: aggregating owner-operator agencies while preserving local brand and producer relationships, similar to HF&C's path through Alera Group.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with strong mid-market commercial and public-sector practice. Offers directly overlapping capabilities to HF&C in commercial P&C, employee benefits, risk control, and alternative risk financing, but operates globally with materially larger resource base.
• Marsh McLennan: Global professional services firm encompassing Marsh (brokerage), Guy Carpenter (reinsurance), and Oliver Wyman (consulting). Competes with HF&C in commercial insurance placement and risk advisory for mid-to-large accounts, though its scale and global reach are orders of magnitude larger.
• Aon plc: Global professional services firm providing insurance brokerage, reinsurance, and human capital consulting. Overlaps with HF&C in commercial P&C brokerage and risk management, with particular parity in public-sector and education vertical expertise, though at significantly larger scale.

Others

• Alera Group: National independent insurance and financial services firm formed through merger of high-performing entrepreneurial firms, of which HF&C is a member firm since 2022. Sister-firm relationship: shares broker capabilities, carrier access, and back-office resources with HF&C rather than competing head-to-head.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Haylor_HFC
• Facebookfacebook.com/hfcinc
• LinkedInlinkedin.com/company/852003

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Haylor, Freyer & Coon