Agency website
About us
We've Got You Covered.
We are HMS Insurance Associates, your Trusted Choice agency. We protect what is most important to you.
Since 1943 our staff has been providing our clients with professional guidance and friendly service. We invite you to visit with us soon and discover the difference the right partner can make. At HMS we've got you covered.
The agency was established to provide surety bonds for area contractors. This service proved to be an integral part of Baltimore's growth and development over the years. HMS has since developed into one of the largest full-service independent insurance agencies in the United States providing comprehensive insurance products and services to individuals and businesses throughout the Mid-Atlantic region.
Our professional account service teams develop commercial insurance solutions, risk management programs, surety bond programs and employee benefit packages for small and large business owners alike.
HMS also provide a full range of personal insurance solutions for individuals; including our Private Client Group for affluent individuals.
What our clients are saying
"HMS has been my insurance broker for over 20 years. I have always received great service and they have helped me process claims successfully when I had to file them. They are always available to discuss insurance carriers, explain my coverage and work to obtain competitive rates for me without sacrificing coverage quality."
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Personal and Commercial Lines insurance professionals
Ask me about these types of insurance...
Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.
Request an automobile insurance quoteAn independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.
Request a business insurance quoteGet multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.
Request a homeowners insurance quoteIf a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.
Request a cyber liability quoteAn independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.
Request an umbrella insurance quoteRestaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.
Request a restaurant insurance quoteStates we serve
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- DC
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Our insurance coverages
Personal insurance coverage
- ATV
- Automobile
- Boat
- Builders Risk / Construction
- Collectible Auto
- Condo
- Earthquake
- Farm
- Flood
- Health
- Home
- Identity Fraud
- Landlord
- Mobile Home
- Motorcycle
- Other
- Personal Watercraft
- Pet
- RV / Motorhome
- Renters
- Short-Term / Sharing
- Snowmobile
- Special Event
- Travel Trailer
- Umbrella
- Vacant Land
- Valuable Items
Business insurance coverage
- Accident & Health
- Bonds
- Builders Risk
- Business Owners Package (BOP)
- Business Vehicle
- Contractors Equipment
- Cyber Liability
- Directors & Officers
- Employment Practices Liability
- Errors & Omissions
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Life & Annuties coverage
- Annuities
- Disability Income
- Life
- Long Term Care
Industries we serve
- Accommodation and Food Services
- Administrative and Support and Waste Management and Remediation Services
- Agriculture, Forestry, Fishing and Hunting
- Arts, Entertainment, and Recreation
- Construction
- Educational Services
- Finance and Insurance
- Health Care and Social Assistance
- Information
- Management of Companies and Enterprises
- Manufacturing - Food / Beverage / Textiles / Apparel / Leather
- Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
- Manufacturing - Wood / Paper / Paper / Mining / Plastics
- Mining, Quarrying, and Oil and Gas Extraction
- Other Services (except Public Administration)
- Professional, Scientific, and Technical Services
- Public Administration
- Real Estate and Rental and Leasing
- Retail - Sporting Goods / Hobby / Music / General / Misc.
- Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
- Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
- Transportation and Warehousing
- Utilities
- Wholesale Trade
Recommended insurance company partners
Other companies we work with:
5Star Life, AIG Insurance Company, Agency Insurance Company, Allianz Global Risks, AmTrust Financial, Applied Underwriters, Berkley Mid-Atlantic Group, Bituminous Insurance, Brethren Mutual Insurance Company, Builders Mutual Insurance Company, Burns & Wilcox, CNA, Charter Oak Fire Ins, Chartis Property Casualty Company, Chubb, Cincinnati Insurance Company, Donegal Mutual Insurance Company, Encompass, Firemans Fund Ins, GNY Insurance Companies, Great American Insurance Company, Hagerty, Hartford Steam Boiler, Hiscox Ins Co Inc., J.C. Taylor, Kemper Independence, Markel Specialty, Middle Oak, Mutual Benefit Group, Oxford Life Insurance Company, PURE, Peninsula Insurance Companies, Penn National Insurance, Philadelphia Insurance Companies, QBE Insurance Corporation, The Hanover Insurance Group, The Hartford, Tuscano Agency, US Assure, United States Liab, Utica National Insurance, Vindati, W. R. Berkley Insurance Group, pomiHMS Insurance Associates, Inc. Reviews
Customer Reviews
HMS has been my insurance broker for over 20 years. I have always received great service and they have helped me process claims successfully when I had to file them. They are always available to discuss insurance carriers, explain my coverage and work to obtain competitive rates for me without sacrificing coverage quality.
We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.
