HM specializes in supporting Fire Fighters – including providing specialized insurance solutions for Fire Protection Districts. Specific risk management programs are designed for our insureds to meet their needs and to keep insurance costs affordable. So whether you are making decisions about new construction, health care, pension plans, retiree benefits or plan design changes, we are here to help.
Services included in our comprehensive program are:
Loss Analysis and Loss Control
Policy and Procedures Audit
Coordination of FPD’s objectives – between Union, BOD’s andinsurance companies
Employee Benefits including Health Insurance, Pension Servicesand Voluntary Benefits
In addition, HM assists with the coordination of additional services offered by insurance companies, including:
Best Practices for Management Liability
Technical assistance for interpreting code standards and regulation
Building replacement cost estimator
Education and Training workshops
We are Commercial Insurance Brokers. As a broker, we can access several companies for quotes vs. an agent who represents one specific company.
What services can you as a broker offer, in addition to placing our insurance?
Employee Benefits – including Health Insurance and Pension Plans
In-house Claims Management
Management Liability – including Fiduciary Liability
Referral Networks – including Accounting and Legal Services
What companies do you represent?
Our top relationships for FPD’s are with ESIP, Fire Pak – Continental Western, VFIS, Missouri Employers Mutual, and Fire Plus.
Where are you located and where do you do business?
We are located in St. Louis, Missouri. We focus in Missouri and Illinois, but are licensed in all states.
What type and size districts qualify for your programs?
Career and volunteer; all sizes, large and small.
Industry Coverage Menu
- Alternative Energy
- Construction Group
- Financial Institutions Practice Group
- Fire Protection District
- Food & Beverage
- Global Energy Services
- Manufactured Home Community
- Not-For-Profits & Social Services
- Organ Procurement Organizations
- Quick Service Restaurants