HMS Insurance Associates, Inc.

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."

Client of HMS Insurance Associates, Inc.

June 25, 2020

View all 0 review

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 quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If 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 quote

An 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 quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

View all our insurance coverages

Why choose HMS Insurance Associates, Inc.

States 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, pomi