HM Insurance Group's Industry Insights Blog

Industry Insights

Latest Blog Post

Who Does Your Heavy Lifting?

By: Carolyn Coleman April 23, 2018
The insurance market changes every year. But for some time now, we’ve been watching the frequency and severity of claims rise, which increases the financial exposure of self-funded groups. With this, the need for Stop Loss protection has grown, along with the importance of working with a Stop Loss carrier that truly knows the intricacies of the market and what must be done to help ensure that the financial health of self-funded employers is properly guarded.
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Maintaining a Thoughtful Approach to the Business of Risk & Relationships

By: Mark Lawrence March 14, 2018
HM is a Stop Loss carrier, which means we’re in the risk-taking business. We don’t shy away from it. We don’t avoid it. We bring a thoughtful approach to our underwriting process. But what does this mean for our clients?
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Select a “Care-ier” or the Cost May Be Too Great

By: Greg Wilden February 12, 2018
When selecting the right Stop Loss carrier, you have a lot to consider, well beyond price. Long gone are the days when a spreadsheet comparing carriers and costs simplified the process. Today your decision is more complex, especially as benefits-related conversations turn from fees to high claims.
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Let’s Be Clear

By: Tom Doran January 5, 2018
I consider myself to be an approachable guy. I certainly hope people sense that about me. I’m pretty open with my thoughts and experiences, and I think it helps to create a culture where everyone feels comfortable sharing ideas and making recommendations. When we welcome personal transparency into a business setting, those there are likely to get on the same page and feel more compelled to contribute to the greater good.
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The Season of Opportunity

By: Liz Midtlien November 10, 2017
As a teenage insurance brat, I learned the cycles of the business at my father’s side. There were renewal conversations around the Thanksgiving table, and Saturdays were spent in the office tending to the needs of clients. Who knew that it would someday be a reality for me too? My dad showed me what it takes to provide value to customers. And in this business, this is the season for doing it right.
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