CPCU, Risk Management Advisor, Director of Global Placement
315-703-1320
tcifra@haylor.com
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.
Sr. Vice President, Risk Management Consultant
315-453-1726
sderegis@haylor.com
Steve’s goal is to become a “trusted advisor” to his clients. He accomplishes this by advocating for his customers and addressing their needs on a daily basis. Attention to detail and servicing his client’s needs are his top priorities. He takes a “consultative approach” with his clients by making sure his customers are properly protected as well as educated with regard to all of the options available to them in the insurance marketplace. His philosophy is not to just sell a customer more insurance but to find the most cost effective options to handle a company’s risk management needs. This may be accomplished by transferring a customer’s liabilities to other responsible parties through contracts and/or agreements, by taking steps from a safety standpoint to mitigate exposure to loss, or by implementing management practices that provide for checks and balances to reduce a certain risk. His goal for a customer’s insurance program is to have a comprehensive program that is aggressively priced as well as making sure his clients are proactive from a risk management perspective. This will ultimately protect the company’s assets and lessen their overall insurance costs.
Steve handles Haylor, Freyer & Coon’s larger complex accounts. His accounts are both domestic and internationally based and they include privately held and publicly traded companies. His knowledge of insurance products is wide ranging from guaranteed cost options and international products to the alternative marketplace, including captives and self-insurance.
Steve has over 30 years of experience in the Insurance Industry. He was also a member of Syracuse’s Common Council for eight years and played a major role in the successful redevelopment of a historic area in the City of Syracuse. Steve lives in Jamesville, NY, is married and has four children. He is an active coach of youth sports, mainly basketball which is one of his passions.
