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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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 Truth Revealed: Secret Elements of HM Underwriting

By: Underwriting department 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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Taking Action Against High Cost Claims

By: Dom Palmieri September 11, 2017
Well, the Stop Loss industry seems to be a rousing one these days. Claim incidences and expenses are on the rise (with no end in sight) – and we have to figure out how to contain the costs to protect everyone’s bottom line. Our sleeves are rolled up at HM. Who else is in? This is going to take a pretty big effort from all of us if we are to minimize the risk.
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