About Us
Founded in 1914, HMK Insurance offers Commercial Insurance, Employee Benefits and Personal Insurance solutions to our valued clients. Operating a successful agency for over 100 years has given us an unprecedented wealth of practical experience that we pass onto our clients. We work to solve clients problems intelligently, quickly and cost-effectively. Our commitment is to anticipate your needs and tailor solutions to protect your financial future. Through building a team of only the most knowledgeable advisors we focus on our goal of guiding our clients through the confusing maze of insurance options and requirements. HMK has always operated on the core values of building trusted relationships and that every client matters.
HMK is a founding member of Alera Group. Alera Group is the nation’s 15th largest independent insurance agency and provides us access to resources, technical expertise and best practices of a larger national firm, while maintaining local personal care and thoughtful customer service. HMK is also a founding member of the Insurance Alliance Network- a collection of premiere independent agencies working together to leverage our relationships with insurance companies to bring clients the best insurance products and services available. We position ourselves as leaders in the insurance world to ensure a high level of confidence in our expertise which sets us apart.
Meet Our Team
Chip Buck
Commercial Insurance ConsultantWhen Chip joined HMK in 2004, he brought a diverse educational background, including degrees in engineering and theology as well as leadership experience in business and non-profits. Today he insures businesses of all kinds, including manufacturers, distributors, design firms, contractors, IT service providers, schools, and non-profits, as well as 300 fast food restaurants! Chip holds multiple insurance industry designations and awards including his Certified Insurance Counselor (CIC) and Commercial Lines Coverage Specialist (CLCS). When he’s not working, he enjoys traveling, volunteering, and spending time with his wife and three sons.
Todd Collins
Vice PresidentTodd Collins joined HMK Insurance in 2013 and is a licensed Property & Casualty agent. Prior to his tenure with HMK, Todd was the Business Development Manager in the Department of Community and Economic Development for the City of Allentown where he played a key role in managing the implementation of the City’s economic development strategies. Todd is highly regarded for his business acumen and leadership skills.
In 2019, Todd was one of 40 individuals invited by Alera’s national leadership to be a trainer of the Collaborative Way – a methodology and system to enhance culture and provide a common language for Alera firms to use in order to encourage collaboration among the unique agencies across the country. To-date, he has facilitated over two-dozen in-person and virtual workshops for Alera offices and colleagues around the country.
At the beginning of 2023, Todd joined the local management team at HMK. In addition to general support and guidance to lead the agency, Collins focuses on general staff development and culture.
Todd’s areas of expertise also include insurance and risk management services for real estate development & management, Craft Beverage Manufacturing & Hospitality, Food Manufacturers, Wholesalers and Processers, as well Public and Non-Profit Organizations.
Collins received both his undergraduate and graduate degrees from the University of Delaware. He is a volunteer coach and actively serves at his church, Grace Church Bethlehem. He resides in the City of Bethlehem with his wife and four sons.
Christian Davis
Risk Management ConsultantChristian Davis contributes to the HMK team as a Risk Management Consultant. Christian focuses on assisting clients with reducing costs and maintaining OSHA compliance through safety education and training and preventative planning. Christian’s strong medical background, ability to handle and implement policies and flexibility with difficult situations allow him to succeed in his position. Christian is a certified EMT-B and OSHA 30 Construction & General industry instructor.
Outside of his work life, Christian enjoys sports, video games, craft beverages, and traveling.
Matthew DelBorrello
Commercial Insurance ConsultantAs a Commercial Insurance Consultant Matt helps his clients build an insurance program that meets their operations specific need and provides appropriate protection. He is a license Property & Casualty producer and his previous insurance experience includes specializing in Workers’ Compensation coverage. Matt values strong relationships and believes in putting the client first in every aspect of his role.
Matt earned his bachelor’s degree from Penn State University. He is a huge college football fan, GO PENN STATE! He enjoys all things outdoors, fishing, hiking, and boating. Matt lives in the Lehigh Valley with his wife and puppy and spends much of his time working on home renovations and dog training! He has also been a volunteer leader for Young Life in the Lehigh Valley for the past 5 years.
Resources
Risk Management Resources
- OSHA Website: https://www.osha.gov/
- OSHA Established Search: https://www.osha.gov/pls/imis/establishment.html
- OSHA eTools: https://www.osha.gov/dts/osta/oshasoft/
- Injury Tracking Application: https://www.osha.gov/injuryreporting/
- Pa Workers’ Compensation Act- https://www.dli.pa.gov/Individuals/Workers-Compensation/publications/Pages/WC%20Act/WC-Act-Landing-Page.aspx
- Initial HandS Application- https://www.hands.state.pa.us/HandS.Web/OrganizationRegistration.aspx
- HandS Re-register- https://www.hands.state.pa.us/HandS.Web/Login.aspx
Other Resources
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EXPERT EDUCATION
Events and Webinars
Employee Benefits
Setting Your Strategy for the New Year: Alera Group's 2025 Employee Benefits Market Outlook
Our experts will highlight key results from Alera Group’s "2025 Employee Benefits Market Outlook" and explain how these trends can impact your benefits program this year.
January 16, 2025 at 01:00 pm CT | Virtual
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The Value of Voluntary Benefits
In this session, our experts will showcase the value of voluntary benefits, from financial savings to improved retention to addressing the specific needs of their employees.
March 20, 2025 at 01:00 pm CT | Virtual
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Balancing Cost and Care: Could Captive Insurance Be the Solution?
In this session, our experts will discuss how Captive Insurance works and what you need to consider for your own group’s needs.
April 17, 2025 at 01:00 pm CT | Virtual
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Insights
Property and Casualty
It’s Here! — Alera Group’s Fifth Annual 'Property and Casualty Market Outlook'
Alera Group's "2025 Property and Casualty Market Outlook" is your guide to making informed decisions regarding your business and personal insurance coverage.
December 12, 2024
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Don’t Forget About Your Gag Clause Attestations
When the Consolidated Appropriations Act, 2021 (CAA) was enacted on December 27, 2020, it included a provision that prohibits group health plans and health insurance carriers from entering into certain agreements that, either directly or indirectly, restrict the release of certain information related to provider networks and de-identified encounter data, among other things. Such restrictions are commonly referred to as “gag clauses.” The CAA also requires plans and carriers to attest annually that their agreements do not include such impermissible gag clauses.
November 20, 2024
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Avoiding an Employee Lawsuit Over a Tobacco Surcharge Claim
Tobacco surcharges on health insurance premiums for employees who use tobacco products are attractive options for employers looking to keep their workforce healthy while lowering their organization’s healthcare costs. But surcharges can go too far, and many employers may be unaware of the limitations. Alera Group's new whitepaper on tobacco surcharges is designed to assist employers in complying with federal regulations.
November 19, 2024
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Q4 Considerations: New HIPAA Privacy Considerations
Earlier this year, the Department of Health and Human Services (HHS) issued a Final Rule titled HIPAA Privacy Rule to Support Reproductive Health Care Privacy.
November 15, 2024
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