Whether it is personal or commercial coverage you need, as a fully automated insurance agency we are able to provide for your needs with top regional and national insurance carriers.  
     
  COMMERCIAL
|  General Liability
|  Commercial Property
|  Worker's Compensation
|  Commercial Auto
|  Umbrella
|  Bonds
|  Inland Marine
|  Builder’s Risk
|  Professional Liability
|  Directors & Officers Liability
|  Errors & Omissions
|  Special Events		 PERSONAL
|  Homeowners & Dwelling Fire
|  Auto
|  Umbrella
|  Renters Insurance
|  Recreational Vehicles
|  Motorcycles
|  Boats		  
         
  H & M’s Benefits Department can help you provide for the well being of loved ones with a broad range of products backed by years of qualified experience and personal customer service.
  
         
  GROUP
|  Life Insurance
|  Health Insurance
|  Dental Insurance
|  Disability Insurance/Long & Short Term
|  Long Term Care
|  Vision Insurance		 INDIVIDUAL
|  Life Insurance
|  Health Insurance
|  Dental Insurance
|  Disability/Long Term
|  Long Term Care
|  Annuities		 BENEFIT SUPPORT SERVICES
|  Personal Claim Service
|  Employee Meetings
|  Servicing of Group & Individual Changes
|  Annual Review of Policies & Premiums		  
     
  ADDITIONALLY WE PROVIDE
Dedicated person for Certificates • Contract specifications review for customers • Loss control services • Competitive markets • Experience with harder to place accounts • Hands on bond service • Personalized medical claims service • Competitive disability income markets • Electronic communication services • Claim draft authority available with many of our carriers		  
     
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