Our Services

HMK Insurance Products

HMK Insurance is a Property & Casualty and Employee Benefits agency with 2,500 business lines clients and 3,400 personal lines clients. We bring value to these relationships by providing four main services.

Business Insurance

Our goal is to know our business owners and their businesses so well that we become their eyes and ears in seeking out exposures to potential losses. This highly relational process allows us to develop insurance programs uniquely designed to align our clients with the best business insurance company that provides the right coverage at the right price. Our hands-on service model positions us as partners with our clients, enabling us to design systems which reduce risk and manage claims when they occur.


Employee Benefits

HMK offers regional businesses choices from 60 different carriers. This provides the same outstanding insurance opportunities typically available only through national agencies—but with the level of personal care and thoughtful customer service that is available only through locally owned HMK.

We recognize that business owners are in a tough predicament when it comes to providing benefits to their employees. On one hand they seek to provide the best benefits in order to attract and retain their work force. On the other hand, they must control the escalating costs that eat away at their bottom line. At HMK we understand this tension. By partnering closely with our clients we identify “win-win” solutions. This allows our clients to focus on the essentials of growing and serving their own businesses.


Surety and Performance Bonds

Whether for public or private jobs, many contractors have a need for Surety Bonds and Performance Bonds as a way of guaranteeing their performance and/or payment to sub-contractors. HMK has a strong and trusted relationship with the leading bonding companies. This depth allows us to work closely with our contractors through the process of establishing a Surety and Performance bond line regardless of a client’s financial health.


Personal Lines

HMK knows that managing life can be difficult and complex. We help reduce our client’s anxiety by providing a clear analysis of the assets you own, your exposure to loss and how to protect you and your family at the best possible price. Whether it is a home, car, boat, ATV, motorcycle or lives – we develop sensible and effective personal insurance solutions. Our straight forward and personal approach simplifies life so that our clients can focus on what’s important to them.

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