HMS Insurance Associates, Inc.

Introduction: I am a professional insurance agent and broker helping business owners and CFOs protect their assets and reduce their overall cost of risk. We are the second largest privately owned insurance agency/broker in the state of Maryland. We offer comprehensive risk management services to a wide array of clients, including contractors of all kinds, property managers, wholesalers, distributors, manufacturer and trucking and logistic operations. Our services include risk management audits, review of current program, placement and procurement of insurance coverage, answering RFPs, contract analysis, replacement cost valuations, workers compensation experience modification analysis and review, captive insurance programs and other cost containment practices.