More than most, we know that experience really counts.

Contractors’ insurance, risk management and surety bonding for the construction industry are our specialties. The special risks associated with building and construction indicate that adequate coverage is a constant concern. Add the imperative, keeping costs to a minimum, and you have precisely the conditions in which HMS thrives. Whether you are a small and emerging company or a large established business, HMS has the knowledge and experience to provide you with the superior products and services you deserve.

As a large independent agency, HMS Insurance Associates is uniquely equipped to provide your company with highly customized commercial insurance and risk management solutions. Representing over thirty-five insurance carriers, our market breadth and presence gives us the ability to match our clients’ insurance needs with the right carrier and the right solution.

Surety bonding is a judgment call. When bonding is required, you need to be ready! HMS Insurance Associates is the largest provider of surety bonding for contractors in the Mid-Atlantic region. Let us help you structure a strong financial plan in advance to maximize your bonding credit. Without a strong financial plan delays can occur, and projects can be lost. Developing a strong financial plan in advance will help you structure your plan and secure the bonding you need.

What HMS Provides:

  • A competitive edge.
  • A team of highly trained professionals.
  • Expert loss prevention and safety programs
  • Access to a broad market of top-rated carriers.
  • Comprehensive solutions with cost effective terms.
  • Detailed risk analysis to expose potential loss.
  • Workers’ Compensation
Business is tough

Together, we are tougher.

Every time I’ve had to contact HMS for any reason, I’ve always received excellent customer service.  I don’t ever plan to change insurance companies.  HMS is by far the best insurance company that I’ve every had the pleasure to do business with. Very professional group of people!  Thanks for a job very well done!

Personal Insurance Client

The 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 special 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.

Surety Bond Client

I just wanted to share how grateful I am for all the help & support I get from my HMS team.  They are always helpful, informative & offer a greal deal of support to my team.  They are super responsive & always willing to go out of their way for any issues that arise, and we had quite a bit during Covid.  It was nice to be able to count on them for help & support.”

Business Insurance Client

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