With the strength and experience of 35 years in the insurance field, you can feel secure, knowing that you have the best in the business working for you.

Our knowledgeable and friendly team of insurance professionals has the expertise to help you protect yourself and your family. Whatever your needs, H&M Insurance will be with you every step of the way. We built our reputation by establishing long-lasting relationships with each of our clients.

Remember: all insurance isn't the same.

Different types of coverage fit the different needs you might have. To determine what type of coverage applies to you, consider your individual situation. Once you have all the information you're looking for, you are ready to qet a quote.

Customer Guarantee

At H&M Insurance, you are our most important client. We recognize that your insurance needs are unique. That is why we take the time to get to know you, and your needs. We offer a wide variety of coverage options, and will help you select the protection that you need. In addition to great service and reliability, we want to save you money. We will sit down with together and find out what discounts and savings may be available to you. Then, get a quote and find out if H&M Insurance could save you money.

Commercial policies are designed to meet various insurance needs that are more complex. These types of policies include: General Liability, which covers liability risks such as premises and operations, product-completed operations and indirect/contingent liability. Commercial Package, which includes general liability and property coverage for buildings and personal property. Commercial Auto, which covers losses that arise out of autos owned by or used in the business.

But before you buy small business insurance, it's wise to shop around for the best rates to ensure that you have a clear understanding of what needs to be covered.

Business Owner Policy (BOP) was designed to provide business owners with a package of coverage with options necessary to meet a wide variety of insurance needs.

Some of this business include:

Bakery's

Retail Stores

Beauty/Barber Salons

Restaurants

Garage Operations

Car Washes

Apartments and many more.

Workers compensation insurance provides six basic benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits or vocational rehabilitation and death benefits.

Employees are entitled to receive prompt, effective medical treatment for on-the-job injuries no matter who was at fault and, in return, are prevented from suing their employers over those injuries.

HOMEOWNER'S POLICY

This policy provides a comprehensive package of residential and personal property protection for today's home owners, covering situations such as:

Fire, including smoke damage

Windstorm, including hail

Crimes, including theft & vandalism

Accidental major leaks or overflow of water

And much more

DWELLING FIRE POLICY (Tenant Occupied)

Protection for tenant occupied on-to-four family residential buildings. Policy provides protection damage from:

Fire, including Smoke damage

Windstorm, including hail

Personal liability coverage for injuries to guests or others visiting the customers property

Fair rental value of income property if the customer is unable to rent pending covered loss repairs

And Much More

Whether you're buying your first car or your teenager is about to hit the road, your car insurance needs will vary.

You want to protect the people and things that are important to you. Auto insurance can help you:

Protect your investment in your automobile

Pay for medical expenses in case of an accident

Provide financial protection from lawsuits

Cover losses caused by uninsured or underinsured drivers

Pay for damage due to theft, vandalism or natural disasters

Remember: all auto insurance isn't the same. Different types of coverage fit the different needs you might have. To determine what type of coverage applies to you, consider your individual situation. Once you have all the information you're looking for, you are ready to qet a quote.

Your Situation

You are buying your first car

You drive an older car

You are adding someone to your policy (getting married, new teen driver)

You drive a motorcycle