WE SPECIALIZE IN ENVIRONMENTAL COVERAGE:                                  
HMS enjoys unique access to special programs that others do not.

Contractors Pollution Liability 
-All classes of contractors including, lead, mold and asbestos are eligible for coverage.

  • Limits to $50,000,000 available

  • Premiums as low as $1500.00 Annually

  • Policy may be packaged to include General Liability and Professional (E&O) Liability. 

  • Pollution coverage written on occurrence form

  • Project specific policy available

Consultants: Professional Liability (also called E&O – Errors and Omissions)
- Coverage for any consultant who may have an environmental exposure as a result of services rendered. 

  • Coverage includes all services provided by the insured

  • Defense within the limits of liability 

  • Project specific policy available

  • Premiums as low as $1,500 annually 

  • Limits up to $50,000,000 available

  • Written on Claims made form.

Transportation
-Coverage for any insured who has vehicles that carry materials which if spilled, could be deemed as environmentally damaging. Such incidents would be excluded from standard auto coverage. 

  • MCS 90 endorsement 

  • Sudden and accidental pollution coverage 

  • Loading and unloading, upset and overturn coverage.

  • No minimum premiums 

  • Filings required for Regulatory agencies provided 

  • Limits up to $10,000,000 available 

  • Other standard auto coverage(s) available

Workers Compensation
Provides benefits, as specified by state law, to employees for work-related injuries or illnesses, regardless of who is at fault. Workers’ comp is a no-fault system, meaning that injured employees do not have to sue their employers to receive compensation. Compensation is automatic for covered benefits. Typical covered expenses include 

  • Medical benefits, such as medical, hospital and surgical costs; 

  • Related healthcare costs such as physical therapy and prosthetic devices;

  • Disability income benefits, including services such as vocational rehabilitation that help an injured worker return to productive work; 

  • Death benefits

Bonds “Jayne’s Bonds”

  • Contractor’s License Bonds

  • Surety Bonds

  • Fidelity Bonds

Commercial Auto
Covers claims for which your business becomes legally liable arising out of your business’ use of autos. It may include protection for damage to an auto that is titled to your business. 

  • Company-owned cars, 

  • Trucks, 

  • Buses 

  • Other types of vehicles.

Hired and Non-Owned Auto Liability Coverage
Protects your business from liability due to your employees’ job-related use of vehicles that are not titled in your company’s name. This coverage includes 

  • Hired or rented vehicles 

  • Employees’ own vehicles.

Garage Liability Insurance
The legal liability coverage of bodily injury and property damage claims arising out of business operations for: 

  • Automobile dealers

  • Garages

  • Repair shops 

  • Service stations 

Damage to customers’ vehicles is excluded from this coverage. 
(See Garagekeepers Liability for this coverage)

Garagekeepers’ Legal Liability Coverage
Provides coverage for damage to your customers' vehicles left in your custody for safekeeping or repair, to owners of 

  • Vehicle garages

  • Parking lots 

  • Vehicle repair shops 

Coverage is applicable only if you are at least partially responsible for the loss.

General Liability including Products and Completed Operations Coverage
Basic coverage that protects business owners and operators from lawsuits brought by third parties alleging bodily injury or property damage.

  • Products Liability and Completed Operations Coverage (Manufacturers Liability)Covers third-party bodily injury or property damage occurring somewhere other than your premises from a product your company made, distributed or sold, or a service your business provided. In the event of a lawsuit, your business also is covered for related defense costs.

Property Insurance 
Provides financial protection against physical loss or damage caused by fire, windstorm, vandalism or other covered incidents to many kinds of business property that you own. Covered business property can include:

  • Building

  • Equipment/tools, supplies, furniture, fixtures and improvements

  • Computers

  • Business Income/Business Interruption/Extra Expense Coverage

Directors & Officers Liability
Covers your company’s directors and officers from liability claims arising out of

  • Judgment errors, 

  • Breaches of duty and 

  • Wrongful acts related to their organizational activities. 

Employee Benefits Liability Coverage
Protects your business from losses arising from the administration of employee benefit programs, such as enrolling employees in a health plan.
(Can be purchased separately or can be included in your D&O policy.)

Employment Practices Liability
Employment Practices Liability Insurance ("EPLI") is coverage against claims by employees alleging that they suffered damages as a result of the employer's

  • Discrimination

  • Wrongful termination

  • Sexual harassment

  • Various other employment-related offenses.

Excess Liability
Provides coverage above the limits of a primary insurance policy, after those limits have been exhausted.

Health Insurance

  • Group Health
    Medical Benefits coverage for your employees.

  • Individual Health

Many plans available for individuals and families.

THERE ARE MANY OPTIONS AVAILABLE, PLEASE CONTACT US SO THAT WE CAN ADDRESS YOUR NEEDS PERSONALLY.