Industry Insights Blog
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Wednesday, May 28, 2025
Choose a Carrier That’s Backed by an Excellent Culture
By Dan Cloyd
When selecting Stop Loss coverage, don't overlook a crucial factor: the carrier's company culture. Dan Cloyd, regional sales vice president, Central Region, explains that culture is more than just a buzzword; it's the driving force behind what we do at HM Insurance Group (HM), from seamless teamwork between departments to a unified vision across leadership. At HM, we believe a collaborative environment with close working relationships ultimately enables us to best meet our clients' needs.
Friday, May 16, 2025
The Dynamics of High-Cost Claims in Health Care
By Kristen Baker
Kristen Baker, vice president, Operations, discusses how the health care claims landscape has shifted in recent years, with high-cost claims continuing to rise. Three key factors are influencing this trend: increases in claim frequency and severity, growth in pharmacy spending, and the unpredictability of initial diagnoses. To navigate these challenges, HM Insurance Group is focused on enhancing data analytics, optimizing processes, and developing strategic partnerships.
Wednesday, April 09, 2025
A Holistic Approach to Stop Loss Success – A CFO's Perspective
By Neil Reece
Neil Reece, chief financial officer, HM Insurance Group (HM), provides his perspective on HM’s approach to Stop Loss success, emphasizing that the company’s strategy isn't solely based on numbers on a spreadsheet, but rather on building resilience through financial strength, consistent performance, operational efficiency, and a supportive work environment. The goal is to withstand market fluctuations, enhance capabilities, and provide reliable financial protection for policyholders.
Friday, March 21, 2025
Facing Risk and Doing the Right Thing
By Mark Lawrence
At HM Insurance Group (HM), we know first-hand that life is not without risk, and with that in mind, our employees work hard every day to do the right thing for our clients. HM President Mark Lawrence addresses the impact that unexpected medical events can have on self-funded employers and the important role Stop Loss coverage plays in helping to pay catastrophic claims.
Friday, October 25, 2024
Rocking Busy Season with Confidence
By Eric Berg
Eric Berg, chief operating officer, HM Insurance Group, and life-long Bon Jovi fan uses some of the band’s music as a metaphor for navigating the Stop Loss busy season and rising healthcare costs. He shares his pride in our team’s commitment to consistently providing a high level of performance and emphasizes that we aren’t just “Livin’ on a Prayer” when it comes to protecting self-funded clients from the financial risks associated with catastrophic claims.
Thursday, May 23, 2024
Memorial Day Reflections
By Mark Lawrence
It’s funny how your mind plays tricks on you. When I look in the mirror and see the gray-haired guy, I find myself wondering how I got to this point. My brain certainly doesn’t think I’m 55, but my driver’s license says so, so we’ll go with it. As every year passes, more memories return, and this time of year, as we prepare to celebrate Memorial Day, I’m reminded of the impact the military has had on my life and the lives of those around me.
Thursday, December 15, 2022
It’s Good to Know Who You’re Working With
By Eric Berg
We’re part of a very different workplace these days. It started before the pandemic, but the demands of working through it seem to have shined a light on our expanded diversity. Or maybe I’m just noticing it more because of where I am in my career and life – teetering in the void between Generation X and Millennials – half classic 1980s Duran Duran and the other half early 1990s Rage Against the Machine.
Wednesday, October 05, 2022
Growth Mindset
By Mark Lawrence
It’s been a little while since I’ve written a blog post, and I wanted to provide an update on HM Insurance Group. Over the past two years, we have grown our Stop Loss premium by about 30 percent. After our July 1, 2022, effective date policies went in force, we exceeded $1 billion in annualized Stop Loss premium – a milestone we’d not previously achieved.
Thursday, December 16, 2021
The Year in Review
By Mark Lawrence
2021 was a great year for HM Insurance Group (HM).Despite the continued effects of the pandemic, our team has continued to thrive and work to provide great service to our broker partners and TPAs as well as our shared clients.
Wednesday, September 08, 2021
Never Lose Sight of What Happened
By Mark Lawrence
Few events will have a profound impact on both your business and personal lives, and that statement could not be truer than in reflection of what we experienced 20 years ago. On the morning of September 11, 2001, I was in a meeting with a number of reinsurers and our attorneys in a New York City skyscraper on the corner of Park Avenue and 50th Street. There were about 20 of us in a boardroom discussing a legal matter in which we had a common interest. There was an arbitration coming, and we were discussing strategy and timing.
Why HM
Our risk management expertise, financial strength and commitment to operational excellence enable us to deliver on our promises.
