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Why HM

Integrity of Underwriting

Committed to Getting It Right

You are looking for the right carrier, and we are looking for the right business. It all comes down to finding the right fit, something that happens when you have the will to work together and understand what is at stake for all parties involved. You can rely on our commitment to this process.

Coverage from HM is tailored to satisfy each policyholder’s level of risk tolerance. We know risk. We understand risk. And our expert underwriters are skilled at helping to customize approaches to protect finances based on individual dynamics. Each underwriter is assigned to a region, working closely with the sales teams in our regional offices and digging in to truly understand the needs of the specific markets they are serving.

With a range of deductibles and contract periods, our plans can be structured to meet specialized needs and mitigate potential claim risks. Our concentration on the details of the plan and our commitment to an exceptionally high level of performance enable you and your clients to focus on your own business goals instead of the workings of your HM coverage.

As a direct writer, we control all aspects our business process, and you have access to our top decision-makers to ensure that we deliver on our promises.