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
Holly Hutterer
Commercial Insurance Consultant
Holly is a Commercial Insurance Advisor with 6 years’ experience in insurance industry. Her background includes 15 years in the hospitality industry and 6 years working in mailing and logistics. Holly has her Certified Insurance Service Representative (CISR) designation. She is dedicated in her commitment to do right by her clients. Holly excels as an advisor because of her excellent listening skills and her compassion for clients. She truly cares about finding the right coverage for those who have trusted her with their business.
Holly grew up in the Lehigh Valley and currently resides with her husband in Catasauqua. She has two daughters and two step-daughters. Outside of her professional life, Holly has a passion for golfing, physical fitness and baking.
Kara Kochenash
Senior Account Manager
In 2018, Kara Kochenash became a valued member of the HMK Insurance team, leveraging her comprehensive three-year background within the insurance sector. Serving as a dedicated Commercial Insurance Account Manager, Kara's focus revolves around prominent construction clientele. Here, she adeptly tends to clients' coverage requisites and skillfully negotiates competitive terms, ensuring the optimal configuration of individual insurance programs.
Kara holds a license as a Property & Casualty insurance agent and her academic foundation is rooted in Risk Management & Insurance, a discipline she pursued at Temple University's Fox School of Business.
Outside of her professional pursuits, Kara is a Lehigh Valley resident, finding joy in traveling with her cherished family and friends. She spends her summers soaking in the New Jersey shore in Avalon, NJ.
Timothy Kurtz
Senior Partner
Tim has been with HMK Insurance since 1996 and became a Principal Owner of the agency in 1998. In 2001 he was named Vice President, became President/Managing Partner in July 2018, and Senior Partner in July 2023. His responsibilities include sales and service of larger commercial accounts in the construction, manufacturing, and technology industries along with helping to maintain agency-carrier relations and mentoring younger sales producers and agency staff. Prior to joining HMK, Tim worked as a Specialist in the Financial Services Division of St. Paul Fire & Marine Insurance Co. for five years underwriting financial institutions’ bonds, D&O, and property/casualty coverages. He started his insurance career in 1988 as a Senior Underwriter with Liberty Mutual. Tim is a graduate of Bloomsburg University and Parkland High School.
Todd Linn
Employee Benefits Manager / Shareholder
Todd is the manager of the group benefits division of HMK. Todd started his career in 1995 working on the carrier side of the business shortly after graduating from Dickinson College. Todd joined HMK in 1999 to oversee the personal lines division and shortly thereafter created the benefits division to offer personalized, innovative, and cost-effective solutions to meet the unique insurance needs of each of the firm’s clients. Todd serves as the lead to assure successful completion of all consulting services including executive level client interface and final review and approval of all client deliverables. Todd holds a CIC designation (certified insurance counselor), has sat on the education committee of the Lehigh Valley Business Coalition on Healthcare, the healthcare committee for the Greater Lehigh Valley Chamber of Commerce, past legislative chair for the Northeast PA Association of Health Underwriters, and has won the SUITS award for insurance, and Eastern PA Business Journal 20 under 40 award.
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
Enroll in AblePay
Comprehensive list of carriers and links to claims sites
Mercy School for Special Learning: Outdoor Area Project
Each Spring, HMK Insurance, an Alera Group Company participates in the Volunteer Center of the Lehigh Valley’s Volunteer Challenge Project. In 2022, HMK had the honor of partnering with Mercy School for Special Learning. Mercy School provides children and young adults with special needs the best opportunity to reach their utmost potential by providing academic, art, and life skill services and support. The school needed some assistance in updating its outdoor space. HMK removed the older wooden fence around the vegetable garden and replaced it with a vinyl fence, refinished the wooden playground train, and weather-proofed the benches in the playground area. The HMK team also held fundraisers in our office with the company matching all funds raised to make sure Mercy School did not have to take on any of the costs. The entire project was a fulfilling experience for all of us at HMK. One of the most touching experiences was being invited to lunch each day by the staff and students at Mercy School and sharing meals and laughter with them.
Stronger Together Initiative
Challenging times across our country call for individuals, companies and the community to come together even while physically staying apart. To do so, HMK Insurance and The Insurance Alliance Network have joined forces with our insurance company partners to develop the Stronger Together Initiative.
As an offering of support to both our clients and our community, our agency will patronize a local eatery/restaurant by ordering meals to be delivered to our frontline healthcare and essential workers. Now more than ever, our community restaurants need our support and what better way than to supply our essential frontline heroes with a meal from one of our own partners.
By providing nourishment and business support; we hope to uplift those who need it the most. We will make it through this because we are Stronger Together.
To learn more about this important initiative and all of it’s supporters visit The Insurance Alliance Network Stronger Together webpage
2019 HMK Volunteer Challenge: Easton Neighborhood Center
HMK once again participated in the Volunteer Center of the Lehigh Valley’s annual Volunteer Challenge! This year HMK partnered with The Easton Neighborhood Center which is a local non-profit that supports the community of Easton providing community outreach, food pantry services (including an urban farm which produces 6,000 pounds of fresh produce for the pantry and beyond), and a shelter for families experiencing homelessness. HMK took on a three-part project consisting of updating the kitchen at the community center, building a level path on their urban farm and a home goods drive to provide bedding, kitchen items, bath essentials, cleaning products and window dressings for families at or entering the shelter. HMK would like to thank The Easton Neighborhood Center for all they do for the community and for partnering with us for this incredible rewarding project!
HMK Clothing Drive for The Perfect Fit
HMK partnered with The Perfect Fit For Working Women by conducting a business clothing drive in our office. One of our HMK clients volunteers at the non-profit and contacted our very own Michael Stocker letting him know of their need for women’s clothing. Michael set up the office clothing drive and delivered ten bags of clothes in support of their cause. The Perfect Fit For Working Women in run through the YWCA of Allentown and provides professional work clothes to women without the financial means to afford a suitable wardrobe.
Holiday Hope Chest Drive
HMK has been participating in the Volunteer Center of the Lehigh Valley’s Holiday Hope Chest drive for the past 9 years. Each holiday season, HMK staff members stuff wrapped shoe boxes with presents and essentials for children in need of the Lehigh Valley. Each staff volunteer is given a specific age range of child to focus on along with a suggested gift list from the Volunteer Center. Many of us look forward to this tradition each year because of the joy and impact it brings.
100th Anniversary Habitat Home Build
In celebration of HMK’s 100th Anniversary our team decided to build a home with Habitat for Humanity! Every single staff member worked 2-4 weekly shifts over 3 week period to contribute to the construction of the home in Bethlehem, Pa. Total number of hours volunteered were 504! In the end the home was occupied by a deserving Habitat-Partner Family.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
HIPAA Privacy and Security Overview
Join our compliance experts for an overview of HIPAA’s Privacy and Security Rules. During this webinar, we'll review the different types of entities subject to HIPAA, take an in-depth look at protected health information (PHI), individual rights under HIPAA and what to do when there is a breach of PHI.
April 11, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Balancing Cost and Care: Could a Captive solution be the right fit for you?
In this session, our experts will discuss how Captive solutions work 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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Employee Benefits
Q2 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.
May 6, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Benchmarking’s Role in Voluntary Benefits Program Design
Alera Group’s Employee Benefits team recognizes that workforce composition varies from business to business, from industry to industry, from region to region. And, at a time when the U.S. workforce is more generationally diverse than ever before, the needs and priorities of one generation can be very different from those of another. This is where voluntary benefits — also known as supplemental, workplace or optional benefits — become so vital to an organization’s offerings strategy. Alera Group’s "Healthcare and Employee Benefits Benchmarking Reports" take an in-depth look at the benefits businesses provide, the options they offer and the strategies they use to manage costs.
March 31, 2025
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Employee Benefits
HIPAA Webinar: Required Training and Valuable Refresher
Whether meeting federal training requirements or simply refreshing their knowledge base, professionals whose role includes HIPAA administration will benefit from participating in Alera Group’s annual HIPAA Privacy and Security Overview, a one-hour webinar scheduled for Friday, April 11.
March 27, 2025
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5 Steps to a Lower Workers’ Compensation Mod
Understanding how your Workers' Compensation Insurance premium is calculated can help you manage costs more effectively. One of the primary factors in determining your premium is your experience modification factor — the number that reflects your company’s claims history and directly determines what you pay.
March 13, 2025
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Employee Benefits
Getting the Most From Your Voluntary Benefit Offerings
Join Alera Group on Thursday, March 20, as we present the next in our Engage series of webinars, "Maximizing Impact: The Value of Voluntary Benefits for Today’s Workforce."
March 6, 2025
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