Risk Management is our business.  HMS Insurance Associates, Inc. is uniquely qualified to manage your business insurance, surety bonding, employee benefits, and personal insurance needs.  As a leading independent insurance agency in the Baltimore, Central Maryland and the surrounding Mid-Atlantic region we offer comprehensive risk solutions including, but not limited to, personal home & auto and commercial products for individuals and business owners.  We also believe that you, as our valued client, should always receive an exceptional level of service.  Our trusted and experienced professionals provide a broad range of quality insurance products and services with safety and risk control programs to limit their losses, along with a skilled claims mitigation team whom are there to help you when you need them most.


HMS wants to be more than your Property & Casualty insurance agency.  Our goal is to be the place where risk management, loss control, surety bonding and financial planning all come together as a team to work for you.  When you can rest knowing you have the best protection for your personal and business assets, we can rest knowing our job is being done right.                                                      
 View our HMS - A Trusted Choice Agent commercial here...  

                                HMS ..... We've got you covered.