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
Todd Linn
Employee Benefits Manager / ShareholderTodd 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.
Lori Moser
Employee Benefits Operations ManagerLori is our Operations Manager of Employee Benefits for HMK Insurance, an Alera Group Company. She has over 20 years of experience in the health insurance and group benefits field. Lori ensures a positive client experience by building strong relationships with group administrators in the human resource department by handling daily communications, renewals, and compliance. She also manages our team of account managers who focus on customer service, billing, and claims. Her ability to navigate the complexity of account management allows her clients to rest easy knowing that their employees’ health benefits are in capable hands. Her professional knowledge, strong work ethic, time management skills, and pleasant personality makes her a key member of our HMK team. Lori is your primary contact for any questions or concerns regarding your employee benefits program.
Alan Pfizenmayer
Business Development AssociateAs a Business Development Associate, Alan supports the HMK Insurance team by identifying and developing potential new clients. He works with prospective clients to secure a meeting where HMK team members can thoughtfully present business owners with our insurance solutions. Alan’s strong organizational and social skills along with his competitive, never give up attitude, allow him to excel in his position.
Outside of the insurance world, Alan enjoys coaching football and wrestling, golfing, and being involved with the Lehigh Valley Wrestling Club & Miracle League.
David Rispoli
Commercial Insurance Producer/ShareholderDavid joined HMK in 1997 after 10 years as a commercial underwriter for several insurance carriers including INA, Home Insurance Co., and CIGNA. David managed an agency in Lehighton for 10 years before coming to HMK where he became a Shareholder in 1999. David’s focus is primarily sales and service of Property and Casualty risks, Bonds and Life Insurance. He has 40 plus years’ experience in the industry and an extensive background with construction risks of all types including over 25 years of Surety Bond experience. Dave is a graduate of Susquehanna University as a business major. He obtained his Chartered Property & Casualty Underwriters (CPCU) designation in 1991 as well as his Associate Underwriter (AU) designation in 1984. He was also a consultant for and graded exams for the Insurance Institute of America as well as edited chapters in Institute textbooks.
David and his family own and operate a small Christmas tree farm. He is a former high school soccer coach and president of a youth soccer league of 2,200 youth. David and his wife enjoy remodeling houses, spending time with their grandkids and traveling the world.
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
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Is Tech-Enabled Brokerage Right for You?
Our experts will lay out what tech-enabled brokerage is, how it works and why it makes sense for the right organizations.
September 19, 2024 at 01:00 pm CT | Virtual
Sign UpEmployee Benefits
Meeting the Needs of an Aging Workforce
Our experts will provide tips and insights about how to incorporate Medicare, menopause benefits, retirement, communications best practices and other hot topics for older workers into your program successfully and without breaking the bank.
October 17, 2024 at 01:00 pm CT | Virtual
Sign UpEmployee Benefits
When Captive Insurance Makes Sense
In this session, our experts will talk about how captives work, the advantages and disadvantages and what you need to know to determine whether they make sense for your organization.
November 21, 2024 at 01:00 pm CT | Virtual
Sign UpTHOUGHT LEADERSHIP
Insights
Property and Casualty
Umbrella Insurance for Businesses: Peace of Mind in an Increasingly Unpredictable World
Whereas a skilled agent can help provide businesses with adequate insurance against property losses by following a predictable formula, the unpredictability of liability claims underscores how important it is for businesses to buy as much Umbrella/Excess Liability coverage as they can afford.
September 18, 2024
Find out moreProperty and Casualty
General Liability Insurance in 2024: Navigating a Complex Landscape
While some aspects of General Liability Insurance have largely turned a corner from a prolonged hard market, the outlook in other areas looks much less cheery. Overall, the market has finally improved after several challenging years, offering signs of stabilization.
September 12, 2024
Find out moreEmployee Benefits
Preparing for 2025: Creditable Coverage, Enrolling in Medicare and HSA Contributions
With significant changes coming in 2025 to creditable coverage determinations, employers and employees may have questions on what that means for them, whether they make the decision to enroll in Medicare Part D or continue to have coverage under their group health plan.
September 5, 2024
Find out moreEmployee Benefits
Webinar: Better Benefits Administration and Lower Costs
If you don’t have expert assistance to guide you and your organization in the in using a sophisticated benefits portal, you’re wasting a lot of the money your business has invested — and probably frustrating the employees you mean to serve. Working with a brokerage that offers not only a leading-edge benefits portal but also year-round support and services enables your employees to seamlessly access, understand and navigate the portal, creating a positive benefits experience.
September 5, 2024
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