University Partners
HF&C is one of the few Agencies that truly Specializes in Collegiate Risk.
As one of the largest brokers nationwide, we are partnered with every insurance market that is licensed as a best in class carrier in the student insurance space.
We offer consultative guidance on effectively operating your insurance program, negotiate the best possible coverage limits at competitive prices, and perform a detailed contract and policy review. Aside from our state of the art waiver and enrollment portal, we offer a customer service centric servicing model that is at the center-point of our brand.
The Haylor difference
Proactive Strategy
We quickly get ahead of your claims and communicate with you when they occur, how we will adjudicate the claim timely, and how we can help prevent a similar loss moving forward. We handle all workload for our client such as preparing the proof of loss statements, managing claim reporting, current claim utilization, and forecasting future trends.
Reinforce our service
Account Calendar
We offer proactive customized, annual servicing calendar that supports our ongoing service and support to you, our client. Every detailed account servicing calendar is created with each specific client’s input, with mutual goals in mind. These goals are outlined with checkpoints throughout the service year and serves as both a blueprint and a report card.
Our Coverage Options
Health Insurance
Student Athlete Insurance
Personal Property Insurance
Travel Insurance
Contact A Collegiate Specialist

Benefit Consultant
315-263-3520
Celeste comes to Haylor, Freyer & Coon, Inc. with an extensive background in finance and the healthcare industries. In finance, she was on an Institutional Consulting team that worked with Fortune 500 and Fortune 100 companies.
Celeste is noted for her consultative, value-added resourcefulness, and going to great lengths to make sure her clients' expectations are exceeded. She was sought after to be the Relationship Manager for the complex, wide-ranging goal-oriented clients. Celeste has over 20 years of experience in sales, relationship management, business development, and operations.
She has an undergraduate degree in Communications from University at Buffalo, studied psychology abroad at Oxford University, and has her Masters from Syracuse University. Celeste is licensed in Life, Accident & Health, as well as Property and Casualty Insurance. She is an avid traveler and enjoys traveling to work with clients nationwide.
Some of the specialized programs of focus include:
- Health Insurance Programs for Domestic & International Students
- Employee Medical Benefits
- Student Personal Property
- Study Abroad Health Insurance
- Dental, Vision, and other Ancillary coverages
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