Client Testimonials

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Business Insurance

"In October of 2011 our business suffered a catastrophic fire, resulting in a total loss of the property. Our HMS agent was immediately in touch with our insurance carrier to begin the process of filing a claim. The adjuster flew into town within two days of the fire and began the process of assessing the damage. The adjuster was very easy to work with, explaining the different clauses in our policies that we could use, what they would need from us to begin the Business Interruption policy. We were very fortunate to have a broad and well planned policy... Thanks do HMS, for writing such a comprehensive policy, and Ohio Casualty's quick response, a really bad situation was handled professionally and with urgency." Rob (landmark restaurant/bar)

"I wanted to let you know that our representative Elizabeth Gartside is great. I can’t say enough good things about her. She is responsive and very helpful. I really appreciate all that she does for us." Beverly (manufacturer/distributor)

"Thank you for recommending Darren and HMS’s services regarding our lines of coverages.... Who knew that it would lead to us switching brokers after 25 years? I absolutely knew it was the best thing to do but you know how relationships are not easily given up. He worked hard and got the job done for us." Nan (technology provider)

Surety Bonding

"...just received the bid bonds as requested. Thanks for your help...and thank you for always coming through for me. I truly appreciate the terrific customer service you provide. Christa (engineering and construction firm)

"HMS is a pleasure to deal with in meeting our bond needs. Josh is quick, efficient, and thorough. The aggressive and proactive approach addresses any potential underwriting issue before it becomes a problem in order to maintain an uninterrupted bond program. The analytical solutions and recommendations have allowed us to obtain bonds that we never would have been approved before HMS." Brian (general contractor)

"HMS has been our surety agent since our (company's) inception. We appreciate their level of commitment to our company, their attention to detail and the timely dispatch of business." Nicholas (building contractor)

"I have worked closely with Shari Bowers for the past 10 years. She is extremely efficient, professional, and overall a joy to speak with. Working with Shari has been both a pleasure and a privilege" Jill (paving contractor)

Risk Management

Magnus, “thank you for taking the time to come in today … your knowledge is extremely important to me. I am very happy to have you in our corner as you have really helped me to understand the process as well as providing me with key knowledge and resources to help me learn and do my job better. You are invaluable!” Celina (construction industry)

"... very helpful and informative. It has made me view work injuries in a different light. I even asked Julie to try and schedule more these (or similar) during the year to help our team staff fresh and connected to work place injury prevention. Thanks for coming in!" Matthew (sign manufacturer)

"Thank you very much for your time yesterday and the information/suggestions you have documented for our company. Most of the time when we talk to insurance companies safety people “that are suppose to help us” we get boiler plate information and we feel that they just want to make an appearance to justify their positions. After you left yesterday, not just myself but our management team felt your time was valuable. A TRUE value added service." Tom (electrical contractor)

Claims Mediation

"Thank you for your work on this analysis! You are so often a source of comforting assistance as we persist through some of life’s challenges." Lori (concrete construction)

"Liza and Jim...many thanks to both of you for taking the time to explain things in detail to me this morning; I truly appreciate the insight you provided. Just goes to show that old people can still learn..." Gail from Bethesda, MD

Personal Insurance

"On Sunday February 19^th my family along with 5 others were evacuated from our homes due to a horrible fire. We got out with our animals and one set of keys. We were frantic. My agent is Jessica Causey and she had given me her contact information to include Facebook when she took my account. We drove to my brother-in-law’s house to drop off the animals and use his computer. I contacted Jessica on Facebook and within 10 minutes she had sent me all of my policy information, Safeco’s information, what things to do and keep track of and just generally put my mind at ease. When we returned to the site, they were just putting out the flames. As I was talking to my neighbors, they all said that they could not get in touch with their agents. Interestingly, they all have a local agent that is only a couple of miles from our homes. They were astounded that I had already spoken with my agent and that she, on a Sunday afternoon, responded to me so quickly and they asked me what agency I used. I found myself standing almost at attention as I announced that my insurance agency is HMS Insurance Associates." Dawn of York, PA

"My husband and I want you to know how very pleased we are with the work and customer service Joy Davidson provides. I have been working with Joy for at least 15 years and never once have received anything except professional. She is responsible, fast acting and diligent. She has handled some complicated issues for us and we are always relieved to hear her voice or receive her emails. With customer service a priority in this tight market, Joy goes above and beyond to help us." Mary Sue of Baltimore, MD

"I wanted to take a quick moment to let you know how pleased that I am that I have Jessica Causey as my Homeowners Insurance Agent. She has been a lifesaver to me during a very bad situation. Several weeks ago, my kitchen flooded. There was a heavy rain that seemed to be coming right at my back door and the water filled too quickly for my gutters to drain so all of the rain water poured into my kitchen, damaging our hard wood floors, drywall, trim, paint. The water came in a large area and soaked completely through to the plywood, down to the insulation in the crawl space, etc. Needless to say, I was devastated. I have never filed a claim before (and honestly, hope never to file one again). BUT I am relieved that if anything should happen again in the future that I have her on my side and I know that she does go over and beyond for her clients ." Kristen from Hampstead, MD

"I was filing paperwork and it occurred to me that people don't hear appreciation for their efforts frequently. This is just a quick note to thank you for your prompt and courteous assistance with placing my homeowners insurance. It was such a relief to work with someone who was knowledgeable, efficient and friendly. You put up w/ a lot of questions from me!" Terri from Lutherville, MD

"Thanks for all of your, and other's attention to helping me manage the events of today and the claim that we will be processing. It is why we recommend HMS." Ted of Chevy Chase, MD regarding a personal auto claim.

Employee Benefits

"HMS' customer service is second to none. They make you feel as if you are their most important customer." Lou in Columbia, MD

"Your customer service has been truly outstanding. HMS has gone above and beyond in assisting our company's covered individuals in obtaining resolutions to some complex coverage issues. The professionalism of your staff also makes it a pleasure to work with you. HMS is easily the best benefit broker I have worked with in my career of 20+ years in benefits. Patricia (research and development)

Scott and Cheryl are my benefits partners. I could not do what I do, in an organization of this size, with the breadth of benefits that we offer, without their assistance and guidance. They investigate claim issues, perform research, hire trainers and other experts, organize benefit fairs, write/edit employee communications and yes, sometimes just provide an ear to listen. Jackie, (media ratings company)

"If a company is looking for the BEST health insurance company, they need look no further than HMS...they are professional, effective and hard working... if they want to be treated as if they are the only customer in their health insurance company then they should choose HMS. I am a stickler for customer service and they exceed my expectations, which is not very easy." Jacqueline (environmental contractor)

"We have been a client with HMS Insurance Associates for Employee Benefits and Business Insurance since January 2003. There isn't any other broker that could be compared to the excellent personalized services that our company receives." Suzanne (construction company)

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