Our staff works together as an integrated team to explore your options from among the thirty-five carriers we represent. We educate ourselves on the risks involved with every project we underwrite and strive to provide you with the most cost-effective coverage.


Construction Insurance
Whether you have a small and emerging company or a large established business, HMS Insurance Associates is prepared to assist you. Count on us for construction insurance, risk management solutions and surety bonding.

• Home Builders (click here for more information)

When bonding is required, you need to be ready !  HMS Insurance Associates is the largest provider of surety bonding for contractors in the Mid-Atlantic region. Let us help you structure a strong financial plan in advance to maximize your bonding credit.


Real Estate/Property Management
If you manage an apartment building, condominium association or commercial property, you need the kind of insurance protection HMS Insurance Associates can provide. Residential or commercial, manufacturing or mercantile, our experienced team has the tools to provide you with the coverage you need.

Our A rated (A.M. Best Co.) insurance carriers offer exclusive programs including subsidized housing, community associations, and senior living facilities. High risks and special coverages such a building ordinance, rental income and boiler/machinery are needed to properly protect your company. Loss control and quality claims service is a monumental part of our quality risk management program.


Manufacturing
In manufacturing, exposure to loss can cost you your business. Manufacturers need insurance programs that not only protect them against property and asset losses, but also provide liability coverage and interruption protection. HMS Insurance Associates is committed to understanding your manufacturing operation and your insurance needs.

• Flooding
• Fire
• Natural Disaster

• Trucking
• Shipping
• Hauling
• Warehousing

As a leading regional player in the transportation industry, we offer:

• The widest range of workers compensation cost containment and return-to-work programs in the industry.
• Unparalleled knowledge of laws and regulations that impact the industry.

Wholesale/Retail
The wholesale and retail businesses are often risky.  Minimize your exposures.  Inventory can be spoiled by a temperature fluctuation or damaged by water. Utilize proven risk management programs designed to reduce claims.  Protect your business with cost effective coverage that not only safeguards your assets, but also helps you control costs.                             

• Clothing/Garment                                
• Vending Companies
• Restaurants
• General Merchandise