As a leader in Stop Loss for nearly three decades, HM Insurance Group places a high value on protecting your client relationships – and your reputation – from catastrophe. By structuring flexible plan designs through expert underwriting, we can tailor a Stop Loss plan to protect self-funded employers.

We won’t leave you out to pasture, either. We follow through on our commitments, and we give you our full support from start to finish. Our dedicated claims staff and managed care professionals put streamlined administrative processes to work for you and your clients, including e-claim services, to deliver quick and efficient claim management.

We also offer a range of plan design options and terms, including both Specific Stop Loss and Aggregate Stop Loss coverage, as well as Aggregating Specific and Specific and Aggregate Terminal Liability. There’s also plenty of built-in flexibility in our Bridge Renewal program, Two-Year Specific Rate Cap options, Monthly Aggregate Accommodation and Advance Funding options that allow you to offer protection to address each group’s unique risks. HM’s expertise also extends to HMO Reinsurance and Provider Excess coverage through its wholly-owned subsidiary, RBS Re.

All of which gives you a wide range of smart solutions for your clients’ fast-changing Stop Loss needs.

Learn more about the features and options of our Stop Loss coverage.