school kids

Insurance for Schools

It’s no coincidence that more than 100 public school districts across New York State trust Haylor, Freyer & Coon to meet their insurance needs. We’re also the agent of choice for countless colleges and universities as well. Why? There’s simply no other agency in New York State with our level of expertise when it comes to the risk management needs of schools.

Today’s public schools are constantly being pressured to do more with less. A competitively priced and comprehensive risk management program can go a long way in cutting costs – leaving more money in your budget for staff positions. Haylor can deliver those types of programs, all with responsive, hands-on service.

As a top 100 insurance agency in the United States, we have strong relationships with top-rated carriers, giving us access to a range of comprehensive options to address the specific needs of school districts and colleges. Beyond insurance, we have also helped our clients save millions through additional services such as group benefit administration and RFP consultation.

Contact a Schools Specialist

Sheila Gilroy

Risk Management Advisor


Sheila began her insurance career with Allstate in the early 80’s and gained additional experience working for AMICA, and Gilroy Insurance before joining Commercial Travelers Mutual Insurance Company.  At Commercial Travelers, Sheila spent 21 years specializing in student accident, catastrophic accident insurance products for public and private schools, special risk accident and participant liability products for municipalities, youth, church groups, special events and college accident and health programs. Sheila is a graduate of SUNY Geneseo. Some of the specialized programs offered through Haylor, Freyer & Coon, Inc
  • Health Programs for Domestic & International Students
  • Student Accident Insurance
  • Travel Accident Employees and Students
  • Catastrophic Accident
  • Summer Camp Accident and Liability
  • Sports Leagues Accident & Liability Coverage
  • Sport and Non-sport Recreation Programs
  • Accident Sports Accident programs
  • Catastrophic Sports Programs
  • Student Study Abroad Programs
  • Student Personal Property

James A. Stoddard

Sr. Vice President


Jim services some of Haylor, Freyer & Coon’s most complex accounts. He has extensive experience working with Schools, Municipalities and other public entities. Having developed a specialized School/Municipality niche, Jim is able to provide his clients with specialized programs and unmatched experience in this area. Jim understands the unique challenges public entities face. While municipalities are still responsible for a myriad of public services, they now function in an environment of constant regulatory change that impacts all their operations and services. HF&C has grown its Municipal Services Division by staying ahead of the needs of this challenging environment. Haylor, Freyer & Coon, Inc. has been committed to Public and Private school districts in New York State for over 40 years. At HF&C, we have a strong reputation of being a leading Independent Agency that insures over 100 School Districts in New York State. Jim has worked diligently to recruit and hire a team of specialists that knows and understands this unique risk.  

School District Clients

 “It is without hesitation that I recommend Haylor, Freyer, and Coon, Inc. as your district’s insurance brokerage. I feel a level of privilege being able to work with our agent. He has always been able to help us find a path to closure in cases presented to him.”

Gregory Molloy

Superintendent Morrisville-Eaton Central Schools

The Most Comprehensive Coverage Available


Employment Practices Liability

Core Principles

Employee Dishonesty


Wire Fraud Transfer


School Board Legal Liability / IEP Disputes




Abuse & Molestation

Personal Insurance-

Student Accident Quote Request


Specialized School District Servicing

Contact A Specialist