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.
Through our ownership in The Insurance Alliance of Central Pa we have access to over 60 insurance carriers.
This allows us to find a company that is a perfect fit for our clients’ operation. Every business is unique and we strive to fully understand our clients operations in order to design an effective business insurance program by committing to the following:
Survey and analyze your business operations
Assess your exposure to losses
Strategically market your account to capable business insurance companies
Implement an insurance program that meets your needs
Monitor your insurance program to ensure that it is meeting your objectives
HMK clients can expect:
Timely and clear communication
A proactive renewal process
Ongoing management of risk to reduce exposures
24/7 claims service through our local claims office
Review and analysis of contracts
Proper risk transfer mechanisms
Periodic review of claims with proactive solutions
Analysis of factors that affect the cost of your business insurance program such as Experience Modification Factors, Liability and Workers Compensation Classifications and resolution of open claims
John joined HMK in 2000 and became one of the agency shareholders in 2008. John focuses his efforts for HMK providing insurance and risk management solutions to businesses in the manufacturing, wholesale, retail and healthcare sectors. Prior to joining HMK John developed a strong insurance and risk management background while employed as a Field Representative with Pennsylvania Lumbermens Mutual and as a Marketing Specialist with Harleysville Mutual Insurance Company.
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