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Commercial Insurance

We’re business owners who represent dozens of other business owners. So we understand that each and every business is unique, complex and important. We’ll help you find ways to properly protect your business using top-rated insurance carriers. And we’ll work hard to get you the best possible premiums. No matter what size your business is, HMS has the products to meet your needs – and the personal service to exceed your expectations.

Our commercial coverage includes:

  • Property
  • Business Automobile
  • Workers Compensation
  • Bonding
  • Inland Marine
  • Umbrella Liability
  • Risk Management
  • NYS Disability
  • Directors and Officers Insurance
  • Errors and Omissions/Professional Liability
  • Bonding- 401(k), employee dishonesty, contract and bid
  • Employment Practices Liability
  • General Liability
  • Cyber Liability

Some of the top rated Insurance Companies we represent include:

Hanover Insurance Group
440 Lincoln St.
Worcester, MA 01653
800-673-2465

Merchants Insurance Group
250 Main St.
Buffalo, NY 14202
800-952-5246

Zurich Insurance Group
5011 Gate Pkwy.
Jacksonville, FL 32256
866-972-7378

Hartford Insurance
One Hartford Plaza
Hartford, CT 06155
866-467-8730

Utica First Insurance Co.
5981 Airport Rd.
Oriskany, NY 13424
800-456-4556

Guard Insurance Group
16 South River St.
Wilkes Barre, PA 18703
800-673-2465

MidState Mutual
5612 Route 34S.
Auburn, NY 13021
800-815-8520

CNA Surety
101 S. Phillips Ave.
Sioux Falls, SD 57104
800-331-6053

Utica National Utica National Insurance
800-274-1914

Progressive
6300 Wilson Mills Rd.
Mayfield Village, OH 44143
800-925-2886

Peerless
6200 Maple Ave.
Keene, NH 03431
800-446-4000

Philadelphia Insurance Companies
One Bala Plaza, Ste 100
Bala Cynwyd, PA 19004
800-528-5913

Travelers Insurance
One Tower Square
Hartford, CT 06183
877-872-8737

GMAC Insurance
GMAC Insurance
800-325-1088

  • “We feel very fortunate to have our health insurance with Amy LaCroix and the HMS Agency. Annual changes in coverage and costs are clearly explained and at a competitive rate. Most of all, on the occasions when we’ve needed someone to go to bat with us over a reimbursement with a health care provider, Amy has consistently provided service above and beyond. We would recommend her and her agency without hesitation.” Mitchell Eil, Best Way to Buy

  • “Having had to purchase health insurance and other coverage as a sole proprietor for decades, I can say unequivocally that Michele Seddon is the most industrious, honest and caring professional I've ever had the pleasure to do business with. Michele immediately and consistently took my needs and concerns to heart, and matched them with deep knowledge of industry trends, coverage options, and what might be on the horizon. Combine that with a wonderful personality and you have a person who can actually make a difficult chore seem pleasurable and stress-free.”Chris Vasan

  • “I want to thank you for being so knowledgeable about my insurance options as a new member of Medicare insurance. I was overwhelmed with a plethora of information regarding Medicare and its many restrictions (or as you put it, “options”). I am a physician and you simplified it for me. I can only imagine how difficult and stressful it can be for those who are not physicians. My husband, who is also a physician, and I have decided that we will refer our Medicare eligible patients to you so that they can understand the options available to them. Thank you for your clarity and depth of knowledge. It was greatly appreciated.”Jeanette F. Thornton, MD

  • “I have been doing business with HMS Agency for over a decade. I have always found their customer service to be prompt, knowledgeable and professional. I also appreciate the fact that HMS has the ability to get quotes from multiple companies. I feel confident that I'm getting high quality insurance coverage at a fair price."John Whalen, Whalen Automotive

  • “As a business owner, having insurance is a must. The staff at HMS Agency has handled my policies for over a decade and has always gone above and beyond for my insurance needs. Steve Mather's expertise is an asset to my business and employees."Kevin Hube, Telesys Telecommunication, Inc.

  • “For over two decades we have relied on HMS Agency to help us successfully navigate the complicated waters of the health insurance industry. Early on we recognized that no one on our staff at Schwartz Family Dentistry had the time to become health insurance experts so we turned to HMS Agency for professional guidance. Moving forward, navigating the health insurance world has become more and more complicated. Our staff now pays a portion of their medical insurance premiums and HMS Agency has helped us to involve them in selecting the best possible plan balancing needs with affordability. I simply do not know what we would do without their top-notch service. Knowing that we can trust HMS Agency to provide us with the knowledge we need to manage this issue allows us to continue focusing 100% on our expertise, which is providing quality services to our patients."Cynde Schwartz, General Manager, Kenneth D. Schwartz, DDS, P.C.

  • “HMS Agency has kept us on the leading edge of Health Care, giving us the opportunity to retain and hire quality employees. Their extensive knowledge and involvement with Health Care providers has been a great asset to Mobile Air Transport, educating and assisting us in the decision making process to give our employees the best possible benefits while keeping us within budget. As a liaison between us and our insurance providers, HMS Agency can be viewed as an extension of our Human Resources Department, consistently interacting with management and staff to maintain quality service to all our employees. I can honestly say that HMS Agency has been an integral part of our employee retention."John J. Ingemie, Chief Executive Officer, Mobile Air Transport, Inc.

  • “Over the years, we have had to use and interact with many insurance agents/companies. I have to tell you that your people are the most responsible, professional individuals that we have ever dealt with. You run/have a first class operation, and you should be very proud of that. Our only regret is that we were not aware of your agency sooner."John and Bette Madej