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 Consultant
When 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 President
Todd 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 Consultant
Christian 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 Consultant
As 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
Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package
In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.
August 21, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Q3 2025 Quarterly Compliance Webinar
Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.
September 9, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Q4 2025 Quarterly Compliance Webinar
Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.
November 4, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Legal Alert: IRS Issues Affordability Percentage Adjustment for 2026
The Internal Revenue Service (IRS) has released Rev. Proc. 2025-25, which contains the inflation adjusted amounts for 2026 used to determine whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s (ACA) employer shared responsibility provisions and premium tax credit program.
July 23, 2025
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Legal Alert: Enforcement of the HIPAA Reproductive Health Care Privacy Rule Vacated Nationwide
On June 18, 2025, a federal district court in Texas vacated a significant portion of the HIPAA Privacy Rule to Support Reproductive Health Care Privacy (“Final Rule”), which was implemented on April 24, 2024, on a nationwide basis. The Final Rule, which was implemented in response to the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization (effectively overturning Roe v. Wade), was intended to protect the ability of individuals to receive reproductive health care when the care is provided lawfully under the circumstances without risk of an individual’s identity or health information being disclosed for purposes of state criminal, civil or administrative investigations (or for imposing liability related to lawfully providing or obtaining reproductive healthcare).
July 21, 2025
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Legal Alert: Employee Benefits Provisions in the One Big Beautiful Bill Act
On July 3, 2025, Congress passed a reconciliation bill (the “Reconciliation Act”) previously named the One Big Beautiful Bill Act, but subsequently redesignated “An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14.”
July 8, 2025
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Benchmarking: How Do Your Organization’s Employee Benefits Offerings Stack Up?
For the sixth consecutive year, Alera Group is offering a valuable piece of market intelligence: our Healthcare and Employee Benefits Benchmarking Report. We’ll introduce the 2025 edition on its release date, June 26, with a one-hour webinar beginning at 1 p.m. CT.
June 5, 2025
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