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
Alan Pfizenmayer
Business Development Associate
As 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.
Ryan Rispoli
Vice President
Ryan is a Commercial Property & Casualty Insurance Professional with prior insurance marketing, sales and risk management background. Ryan joined HMK as an agent in 2010 and has since built the largest book of business in the agency through his dedication, hard work and knowledge of insurance. He is also an official shareholder at HMK which shows his commitment to both HMK and the insurance industry. Ryan works on developing new sales production as well as working with his team to service existing clients. He cares deeply for his clients and works very hard to be a small part of their success. He does so by negotiating coverage limits, terms and conditions with underwriters and insurance carriers, reviewing contract insurance specifications and developing risk transfer programs for clients along with safety and loss control practices. Ryan excels in relationship building and earning the trust of his clients as a consultant and advocate for their business. He is very cognizant of maintaining great relationships with our insurance carriers and holds himself to a high level of integrity, honesty and professionalism.
Ryan has a bachelor’s degree in Business Marketing from Susquehanna University as well as his Commercial Lines Coverage Specialist (CLCS) designation. He is involved with both The Lehigh Valley Builders Association (LVBA) and Associated Builders & Contractors (ABC) and participates in all the charity events organized by HMK. Outside of HMK it is all about family and friends for Ryan. He is happily married with two young children- daughter ,Olivia and son, Christopher. Ryan grew up in the Lehigh Valley and his family currently resides in Hanover Township. Other interests include traveling, the outdoors (especially the beach), golf, and skiing.
Rob Roberts
Vice President of Sales/Management Team Member
Rob joined the HMK team as the Vice President of Sales in 2019. His responsibilities include coaching and driving producer production, talent acquisition, developing a winning sales culture and effectively leading the sales division to hit organic revenue goals. Rob also serves as an acting member of the HMK Management Team contributing to the overall operation of the agency.
Rob has 15 years’ experience in the insurance industry which includes working as a Senior Commercial Lines Producer for Penn Community Insurance and as a Regional and MSM Manager at Sentry Insurance. His relationship building skills and ability to communication a clear concise message allows him to excel as a sales leader. Rob is a graduate from King’s College with a bachelor’s degree in criminal justice. He enjoys golf, fishing and is a coach for AAU basketball.
Neil Ryan
Senior Claims Advocate
With an impressive career spanning more than twenty years, Neil Ryan has cultivated extensive expertise in claim handling across the insurance landscape. His journey encompassed diverse roles as an adjuster, SIU investigator, and field claim representative. Within the HMK Insurance and Alera family, Neil plays a pivotal role as our Senior Claims Advocate, assuming the crucial responsibility of bridging the gap between clients and the insurance companies we represent in times of claims.
Neil's unwavering commitment revolves around safeguarding the best interests of our clientele, orchestrating seamless interactions during claim processes. He skillfully manages large claims, where he expedites resolutions while upholding the highest standards of customer service. Drawing upon his communication skills and wealth of experience, Neil excels in his role.
Neil holds his Bachelor of Arts degree in criminal justice and psychology from Lycoming College. He is a licensed adjuster in Delaware, Texas, New Mexico, North Carolina, and South Carolina. He was awarded the Unsung Hero award by The Insurance Alliance of Central PA in 2013.
Neil resides in Macungie with his wife and three daughters. Outside of the office he enjoys spending time with family and friends, golf, traveling, craft beer, sporting events, and attending concerts.
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
2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?
In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.
June 26, 2025 at 01:00 pm CT | Virtual
Sign Up
Employee Benefits
Dynamic Data: Strategies for Success
Join us for this session, as our experts will share how to utilize your organization’s data to create advanced and innovative strategies for success.
July 17, 2025 at 01:00 pm CT | Virtual
Sign Up
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
Sign Up
THOUGHT LEADERSHIP
Insights
Employee Benefits
Benefits Captives: Your Business and What Your Competitors Are Doing
In one form or another, Captive Insurance has existed as a risk management solution for many decades — originally for property and casualty coverage and primarily for large employers. But its viability as a solution for employee benefits and for midsized businesses has increased dramatically in recent years, fueled by volatility in the insurance market in general and by the skyrocketing cost of health insurance in particular.
May 29, 2025
Find out more
Employee Benefits
Agencies Push Pause Button on Enforcement of MHPAEA 2024 Final Rule
On May 15, 2025, the Department of Labor, Department of Health and Human Services, and the Treasury Department (collectively, the “Agencies”) released a statement regarding the Agencies’ recent request for abeyance of a lawsuit filed by the ERISA Industry Committee (“ERIC”) in the U.S. District Court for the District of Columbia that challenged certain aspects of Mental Health Parity and Addiction Equity Act (MHPAEA) Final Rule (“2024 Final Rule”) relating to nonquantitative treatment limitation comparative analyses (“NQTL analyses”).
May 16, 2025
Find out more Employee Benefits
IRS Releases 2026 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits
In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.
May 5, 2025
Find out more Property and Casualty
Severe Weather Is Getting Worse. Is Your Business Interruption Insurance Keeping Up?
The increasing frequency and severity of weather- and climate-related events such as catastrophic storms, floods and wildfires make business continuity planning more important than ever. Part of your plan should include reviewing your organization's Business Interruption Insurance coverage.
May 5, 2025
Find out more