Commercial Insurance

HHS’ unique service model is designed to serve a critical role for organizations that need state-of-the-art risk solutions, but do not have a fully staffed risk management department. Client service plans are customized to recognize the distinctive insurance and risk management requirements of these organizations.

Program Marketing

Our Risk & Coverage Analysis module is an essential foundation for a cost effective insurance Program. Our solutions-oriented approach goes beyond a traditional Property-Liability Insurance program to encompass strategies that help an organization reduce the total cost of risk.

Whether we use an off-the-shelf product or create a completely customized program, we can execute your risk transfer requirements. We have brokering capabilities around the world. We utilize our excellent market and underwriter relationships to negotiate competitive coverage and premium on our clients’ behalf.

Ongoing Support Services

Our goal is to continuously earn your business with personal service that exceeds expectations:

  1. Core Services
    We continuously focus on delivering certificates, policy management and claims assistance in a professional and timely manner.
  2. Cost Containment
    Workers’ Compensation Experience Modifier, Claims Management, OSHA/Safety and Employment Practices modules are designed to minimize future risk, losses and insurance costs.
  3. Annual Program Review
    Essential to identify exposure changes, adequacy of limits and premium savings.
  4. Competitive RFP Process
    At least every 3rd year, we will encourage you to partner with us in a competitive bid/proposal process to evaluate current premiums and scope of coverage.

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  • Non-Profits
  • Professionals
  • Retailers
  • Wholesalers
  • Contractors
  • Service Businesses


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