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Industry

Fire Protection District

HM is a proud supporter of The Backstoppers.

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:

  • Policy Review

  • Marketing

  • Loss Analysis and Loss Control

  • Claims Audit

  • Policy and Procedures Audit

  • Benchmarking Services

  • Builders’ Risk

  • 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

  • Loss Control

  • Education and Training workshops

Frequently Asked Questions

  • 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.

Please contact Peggy Roberts
and John Betten if you have
any questions.

Peggy Roberts
(314) 746-4797
proberts@hmrisk.com

John Betten
(314) 746-4791
jbetten@hmrisk.com

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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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