Your organization faces complex issues that are unique to your industry. It is essential to engage an insurance broker adept at identifying these unique needs and developing a strategic risk management approach to insure proper coverage. The experienced team at HM can provide the strategic focus necessary to uncover the distinct needs of your industry and identify appropriate insurance solutions. Additionally, HM continues to act as your advocate by following through with on-going consultative support and acting as an integral extension of your management team.
HM associates have worked with several clients, large and small, in the Agricultural industry in various capacities as risk managers, underwriters and brokers. To learn more about Agri-Business, click here.
Whether you’re a multi-store multi-franchise auto dealer with $100 million in annual sales or a used car dealer that sells 10-15 cars a month, HM has access to several of the industry’s top Auto Dealer insurance programs. To learn more about Auto Dealers and Open Lot Programs, click here.
Our team members recognize the increasing complexity and challenges facing financial institutions in today’s regulatory and economic environment. To learn more about the Financial Institutions Practice Group, click here.
Franchisees and members of Associations are Entrepreneurs. Understanding this differentiation presents the greatest opportunity to address their insurance needs. To learn more about Franchises and Associations, click here.
The Global Energy field is complex and unique. Risk management and insurance placement requires a working knowledge of the multiple fields within Global Energy, as well as a strong understanding of the markets that are available. To learn more about Global Energy Services, click here.
HM Risk understands the unique needs of the hospitality industry – including hotels, motels, and other hospitality service providers. We can help identify the proper coverages for the risks associated with hospitality industry. To learn more about HM Hospitality Group, click here.
In addition to being a proud supporter of local organizations committed to the greater good of the St. Louis metro community, HM is proud to be broker/partner with many Social Service and Non-Profit organizations which provide essential services. To learn more about the Not-For-Profit & Social Services, click here.
Another specialty area of HM is Organ Procurement Organizations. We recognize that every dollar spent on insurance is one less available to help assist this valuable mission. To learn more about Organ Procurement Organizations, click here.
As a quick service or “fast food” restaurant, you know what it takes to provide your customers with the variety and quality of food they’re looking for. Likewise, at HM we know there are a variety of risks facing every restaurant owner. To learn more about Quick Service Restaurants, click here.
At HM we have assembled a “group” that specializes in the unique risks that challenge retailers and present complicated loss scenarios to business owners, property owners and human resource managers that are engaged in the retail business. To learn more about Retail, click here.