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HM Risk and Benefits HM Risk and Benefits
  • About HM
  • Property
  • Employee Benefits
  • Personal
  • Claims
  • ​Specialty
  • ​Industry
  • Contact HM

About HM


Risk Management and Employee Benefits

  • About HM
  • Benefits
  • Careers
  • Community Involvement
  • Our Management

About HM

Our Story

Founded in 1991, HM and our 100+ associates partner with you to bring you not only the knowledge, experience and resources you need but also the responsiveness and flexibility you deserve. Our goal is to build a relationship with your company, based on mutual trust, where we fully understand your insurance, risk management and employee benefits needs. With this knowledge, we can then develop, recommend and coordinate individually tailored programs that effectively address your needs and complement your company’s strategic vision. In other words, our business is about finding solutions that minimize your risk and provide exceptional value for you and your company. With HM you gain an ally who can serve an integral role in meeting your company’s insurance and financial needs.

In reaching that overall goal, we offer a variety of tangible benefits designed to make working with HM that much more productive and rewarding, including:

  • A seasoned team of professionals that views working with your company as an ongoing relationship, and not a project with a start and stop date.
  • Greater access to senior personnel.
  • Staff stability, so you won’t have frequent changes in the makeup of your HM team.
  • A streamlined company structure so you don’t encounter the red tape of larger brokerage companies.
  • Access to the latest technology and world-class research – and the know-how to put it to work for your company.
  • Strong relationships with all major insurers to help obtain the best possible value for our clients.
  • A company culture that honors honesty, integrity and accountability, while encouraging HM personnel to be resourceful and creative in recognizing and meeting client needs.

Benefits

Employee Benefits

​Full time employees are eligible for benefits on the 1st day of the month following their date of hire.

Medical/Prescription Drug Coverage
HM offers affordable healthcare and prescription drug coverage for our employees and their families. Our program is a High Deductible Health Plan providing both in-network and out-of-network benefits. Prescription drug /mail order drug benefits are included as well. Telemedicine, onsite biometric screenings and Concierge Benefit Assistance are just a few benefits provided to those covered on our medical plan. The employee is responsible for a portion of the monthly cost, which is payroll deducted.

Dental Coverage
Dental benefits are also available to employees and their dependents. The program gives you the freedom to visit the dentist of your choice at the time of service. The employee is responsible for a portion of the monthly cost, which is payroll deducted.

Voluntary Vision Coverage
Employees may choose to enroll in a voluntary vision program and receive discounted eye examinations, frames, lenses and contact lenses through a national network including both private practice and retail chain providers.

Life Insurance
HM offers two options to choose from: 1.5 times salary or $50,000 of Basic Life and Accidental Death and Dismemberment (AD&D) coverage. This benefit is 100% employer paid.

Voluntary Term Life Insurance
Employees, their spouse and children are eligible to enroll in a voluntary term life insurance program for additional life insurance at competitive rates. This benefit is 100% employee paid.

Short-Term Disability (STD)
STD is 100% employer paid and is available to employees in the event of a disability; the employee must be under a doctor’s care.

Long-Term Disability (LTD)
LTD is 100% employer paid and is available to employees who have depleted Short Term Disability and remain under a doctor’s care.

401k Plan
401k plan which is a tax deferred investment and savings plan is available to all full time/part time employees. HM will match a certain percentage of the employee’s contribution. Plan participants are completely vested at their five (5) year anniversary. Employees can enroll in this plan at any time.

Employee Assistance Program (EAP)
Our Employee Assistance Program is a benefit offered and provides employees with assistance in dealing with personal concerns that may affect their work or home life. Some of the areas covered by the EAP include: marital conflict, relationship concerns, parent/child issues, financial problems, identify theft, stress/anxiety, depression, legal concerns, child care, education/college planning, elder care, substance abuse, job stress, and weight management. This program is confidential and provided to employees/dependents at no cost.

Supplemental Benefits
Our programs are designed to educate and assist employees with a healthier lifestyle. We care about our employees and their well-being. HM truly believes that the employees who participate will improve their overall health, reduce stress levels, and decrease their health care cost. The company will benefit by reduction in medical claims, increased productivity, and reduction in absenteeism. A win win situation for all! Annual flu shots are also available on site.

Wellness Programs
Our programs are designed to educate and assist employees with a healthier lifestyle. We care about our employees and their well-being. HM truly believes that the employees who participate will improve their overall health, reduce stress levels, and decrease their health care cost. The company will benefit by reduction in medical claims, increased productivity, and reduction in absenteeism. A win win situation for all! Annual flu shots are also available on site.

Time Off
Vacation Days – Annual vacations play an important part in maintaining the health and efficiency of the employee as well as provide an opportunity for rest and recreation. Employees earn 1 vacation day per full calendar month of employment in their first year. Employees are eligible for 15 vacation days during the second year of employment.

Sick Days – Sick days may be used for an absence, which an employee (or their child) is ill. Employees have a maximum of 6 days to use during the calendar year.

Paid Holidays – Paid holidays are scheduled annually. We observe at least 9 basic holidays.

Parking Garage
Parking is free and available in the covered parking garage.

Dress Code
Our dress code is business casual.

Work/Life Balance
We provide a work/life balance to employees to increase retention and job satisfaction. We understand the importance of job satisfaction and retaining our most valued employees. Employees are permitted flexibility with their work schedule, when approved by management. Flex hours allow staff members to avoid travel inconveniences, help reduce family stress, maximize productive work time, meet personal obligations, and provide additional support within the agency.

Referral Award Program
Employees are eligible to receive cash awards for referring candidates that are hired for a position at HM. The referring employee may receive an award up to $1,500.00.

Social Events
Our social committee keeps employees busy with scheduled events throughout the year. We’ve held social events that involve eating ice cream on hot summer days, spending an afternoon at the racetrack, and provide friendly competition by holding an annual chili cook off in the fall. In years past, we have helped others in the community by gathering and delivering supplies to animal shelters, donating items to food pantries, collecting clothes for shelters, and sponsoring blood drives for the American Red Cross. In addition, we have supported the Special Olympics opening ceremonies for over 10 years.

​The purpose of this summary is to provide an overview of the employee benefits provided by HM. In all cases, the terms and conditions of the insurance contract would dictate actually eligibility, coverage and benefits.

Careers

Job Postings

We are a fast-growing, dynamic team that is passionate about the work we do, and we are currently seeking individuals to join our HM team.

Account Executive – Employee Benefits (Springfield Location)

Client Service Representative – P&C (St. Louis Location)

​We appreciate your interest in HM. HM recognizes the importance of our emplo​yees along with their knowledge and expertise; we are dedicated to providing our clients with outstanding service.

Please complete the information below and attach your résumé. Please use .doc (Microsoft Word) or .pdf (Adobe Acrobat) format.

Community Involvement

HM recognizes the vital importance of supporting others in the community who need a helping hand. It is our duty and privilege to do so. As our organization and its employees enjoy success, it is imperative to share in those successes with those who are less fortunate. By doing so, we are ensuring the continued improvement of our community and the quality of life afforded to all of its people.

HM and our associates are proud to support the following organizations in their effort to make our community a better place.

  • American Heart Association
  • Backstoppers
  • Buehrle Family Foundation
  • Catholic Charities Community
  • CDLS Foundation
  • Children’s Miracle Network
  • Down Syndrome Association of St. Louis
  • Emmanuel Episcopal Church
  • Gene Slay’s Boys’ Club
  • Good Shepherd Children & Family Services
  • Humane Society of Missouri
  • JCC Youth teams
  • John Q Hammons Foundation
  • Junior Achievement of Greater St. Louis
  • Kilo Diabetes & Vascular Research Foundation
  • Lutheran Family & Children Services
  • Lydia’s House
  • M.O.M. Mark on Melanoma
  • Miles Against Melanoma
  • Missouri Historical Society
  • MO Farm Bureau Foundation of Agriculture
  • Nurses for Newborns
  • Peletonia
  • PFEM Community Outreach
  • Phelp County Hospice
  • Ronald McDonald House
  • Shalom House
  • Special Olympics
  • St. John Lutheran Church
  • St. Louis Chidren’s Hospital Foundation
  • St. Louis Crisis Nursery
  • United Way of Greater St. Louis

Our Management

HM Risk Employee Benefits: Mike Shanahan 2017

Michael F. Shanahan, Jr.
​Chairman, President and CEO
​
Michael Shanahan has served as Chairman, President and CEO of HM since 2004 at which time he purchased the company. Prior to joining HM, Mr. Shanahan was Executive Vice President at Lockton Companies, Director of Marketing at Engineered Support Systems, Inc. and a Sales Representative for the St. Louis Blues Hockey Club.

Mr. Shanahan holds a Bachelor of Science in Business Administration (Marketing) from Saint Louis University.

Mr. Shanahan serves on the Board of Directors of Backstoppers, Persimmon Woods Golf Club and the Saint Louis University Billiken Club. He also serves as a member of the YPO (Young Presidents Organization) St. Louis Chapter.

A native of St. Louis, Missouri, Mr. Shanahan and his wife have four children and reside in Chesterfield, Missouri.

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Contact HM

HM Risk & Benefits

  • St. Louis Headquarters
  • 8235 Forsyth Boulevard, Suite 1200, St. Louis, Missouri 63105-1643
  • Toll Free: 800-489-6626 | 314-746-4700
  • 314-889-3700
  • https://hmrisk.com/
  • Springfield, MO Office
  • 2925 E. Battlefield, Suite 120, Springfield, Missouri 65804-4020
  • Toll Free: 844-432-1010 | 417-895-4600
  • 417-895-4602

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