BC&E Construction Industry 2017 EXPO - Event Registration

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WHAT OUR CLIENTS HAVE TO SAY

The HMS team is the best…always on time…always available and ready to help.  As a matter of fact we have recommended many businesses and individuals to HMS.  This is how much we regard our HMS team. - Carlos, a Burtonsville MD Painting Contractor

Surety Bonds

Surety...the Cornerstone of HMS

HMS Insurance Associates, Inc. was originally established in 1943 as a surety-only agency to provide surety bonds for area contractors.  This service proved to be an integral part of the region's growth and development.  Today, HMS is the largest independent provider of surety bonding for contractors in the Mid-Atlantic region and one of the most highly-respected bond agencies in the United States.

"HMS' results-oriented philosophy has been evident since the start of our relationship.  They have been creative in resolving complicated circumstances in order to gain the surety's support of specific projects and our overall business plan.   Whether it's financial advice, planning, or recommendations with surety-related language in contracts and bond forms, HMS has consistently proven itself to be an asset to our business." (HMS Client - Concrete Contractor)

Surety Professionals

Our surety professionals represent some of the largest contractors in the country, writing bonds in all 50 states and internationally.  We also work with mid-sized and emerging contractors to fast-track their growth by maximizing their bonding capabilities.  Our surety team is among the most knowledgeable and experienced in the country.  The diverse background of our surety department offers skills in all fields relative to the surety industry, including contract and surety law, underwriting, construction, accounting, claims, project management and finance.  HMS sets the standard in our industry for skill, service, creativity and professionalism.

Partnerships

Our surety team has partnerships with over 25 surety companies, including each of the top 10 companies in the country.  We maintain strong relationships and large volumes of premium with the leading surety underwriters in the United States, enabling us to provide our clients with the most aggressive program terms relative to capacity, rate and indemnity.  We partner with the highest-rated surety companies that will support a wide variety of bond needs. 

Surety Services

As our surety clients' trusted advisors, HMS offers the following value-added services:

  • Financial, ratio and trend analysis.
  • Detailed narratives on underwriting submissions and financial updates.
  • Presenting "outside-the-box" financial strategies and solutions to maximize surety credit.
  • Review of contracts and bond forms.
  • Assistance with prequalification of owners and project financing.
  • Collaboration with business planning, including working capital maximization and continuity planning.
  • Utilization of interactive surety database that ties our catalog of projects, bids, owners, sureties and billing information to our automated bond processing system.
  • Electronic bonding.
  • SBA surety bond guarantee programs.
  • Risk-management claims consultation.

Serving All Bond Needs

HMS proudly services all bond requirements, including:

  • All Contract Bonds, including:
    • Environmental
    • 8(a) and small business set-aside contracts
    • International contracts
  • Court Bonds
  • Developer Site Improvement Bonds
  • License and Permit Bonds

We are a proud member of the National Association of Surety Bond Producers

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WHAT OUR CLIENTS HAVE TO SAY

The HMS team is the best…always on time…always available and ready to help.  As a matter of fact we have recommended many businesses and individuals to HMS.  This is how much we regard our HMS team. - Carlos, a Burtonsville MD Painting Contractor