HM Insurance Group's Industry Insights Blog

Industry Insights

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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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The Truth Revealed: Secret Elements of HM Underwriting

By: Underwriting October 9, 2017
The time has come. We're about to tell you some inside secrets about the way HM underwrites our Stop Loss business. This is the secret formula kind of stuff…the inside scoop…the truth exposed. Some might call it brazen to share such details, but we want you to know what goes into our process.
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The Contract Is the Cornerstone

By: Greg Wilden August 10, 2017
Having been around the Stop Loss world for 30 years, I know that without a solid foundation of expectations and the type of commitment that HM has with our producers and our mutual clients, good partnerships can fall apart. And in the Stop Loss realm, the groundwork starts with a well-constructed contract.
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