A man wearing professional clothes is seated while speaking with a female insurance broker in an office.

Stop Loss Insurance

Financial Protection for Self-Funded Groups

A woman is standing while smiling and clapping behind a seated man and woman who are also smiling and clapping.

Offering Stop Loss Insurance

As a leading national Stop Loss company, HM Insurance Group (HM) uses risk management expertise and years of industry experience to design Stop Loss insurance that works to protect our policyholders' financial well-being. For employers who self-fund their health plans, HM’s Stop Loss coverage helps to protect against the financial risk associated with catastrophic claim costs.

Partnering with HM

Accessible, accountable and aware, we use our risk management expertise to design coverage your clients can rely on when facing the financial risk associated with high-cost claims.

A male insurance broker wearing professional clothes and female medical professional are talking while seated near an indoor plant.

Customized Stop Loss Insurance Coverage

We tailor our Stop Loss coverage to satisfy each client’s level of risk tolerance. Our underwriting experts work to protect our policyholders’ financial well-being based on their specific needs and group dynamics.

A seated man, surrounded by several work stations, looks at his computer monitor.

Claim Payment and Cost Containment

HM works to pay claims quickly and accurately, and our operational excellence and commitment to cost containment best practices give clients confidence in our coverage.

A man and woman are seated in front of a computer monitor making hand gestures while talking.

Dedicated Teams and Expert Client Service

When you work with the experts at HM, you can count on consistency, responsiveness and sound decisions that lead to smart solutions, excellent performance and unparalleled support.

A female insurance broker wearing professional clothes and man stand to shake hands while a seated woman smiles at them.

A Solid Contract

HM offers clients a Stop Loss policy that provides clarity, financial protection and choice. The contract is the core of the carrier-client relationship, and ours is written in language employers can understand, helping to ensure coverage details are clear.

A female health professional stands while talking on a mobile device and looking out a window.

Considering Self-Funding?

In an evolving insurance marketplace, employers continue to seek ways to better manage their employee benefits options and costs. Self-funding is an option that can give groups more control in exchange for taking on financial risk – and Stop Loss insurance can help provide risk protection.

Your Stop Loss Resources

Access an array of materials that can help in a variety of conversations with your clients.

A man is seated near a window and working on a laptop.

Tools and Resources

Discover more about HM, our Stop Loss product and the way we do business through a range of materials.

A woman holding a clipboard with Stop Loss sales materials shows them to another woman.

Forms and Guides

Access Stop Loss applications, claim forms, disclosures, waivers and more.

A male insurance agent wearing professional clothes is seated wtih a laptop while talking on a mobile device.


See how we deliver opportunities to help better control medical and pharmaceutical claim costs.


A male insurance broker wearing professional clothes looks away while holding a mobile device.

Need More Information?

We look forward to connecting with you.