HM Risk Group


Niche underwriting facilities for emerging industries worldwide.

Underwriting Specalities 



HM Risk Group is a leader in niche healthcare exposures. HM Risk Group offerscomprehensive professional and general liability cover for surrogate placement agencies, egg donor clinics and other allied healthcare professionals in the reproductive medicine. In addition to our exciting reproductive medicine program, HM Risk Group also provides professional and general liability to cover an array of allied healthcare exposures.


At HM Risk Group, we take the guesswork out of insurance options for the reproductive healthcare industry.   We provide an array of coverage options for professionals and patients. We offer Professional Liability, General Liability for professionals and Accidental Death and Dismemberment, Donor and Carrier Life Insurance for your patients. In addition we offer assistance for short-term medical insurance coverage for IVF Maternity Cycle, Egg Donor and Recipient and Surrogacy Maternity Cycle. 



HM Risk Group is committed to providing our clients with a range of superior risk transfer products, expertise and innovative risk management services.  We are committed to providing an underwriting discipline that preserves the quality of our client’s portfolio. HM Risk Group has the ability to serve clients globally, delivering expert solutions in health reinsurance, facultative underwriting, risk management, and capital-backed reinsurance services.


The way people consume entertainment is constantly in flux, so your liability cover must adapt quickly. HM Risk Group strives to anticipate these changes so you can focus more on creating a performance of a lifetime. Among our clients are actors, directors, unions, agencies, writers, animators, and many other industry talents. We underwrite and negotiate terms on behalf of development and production teams. Tailoring each underwriting contract according to a project’s scope, size, and budget, to ensure that coverage is appropiate. 

Wineries and Breweries 

At HM Risk Group, we recognise that you blend the latest technology with old-fashioned craftsmanship in order to produce award winning wines and beers. Whether your business in family-owned or going global, your wines represent significant time and talent. Don't let your investment go down the drain. 

Risk management

HM Risk Group can also assist your business with a full range of Risk Management services. We evaluate your businesses existing risk management programs and recommend risk reduction programs aimed at preventing injuries and controlling liability exposures. HM Risk Group takes an in depth assessment of your business’s current risk-control philosophy, to help tailor objectives and methodology to better serve your needs. In order to reach this need HM Risk Group: Identify exposures to loss, types of loss, loss frequency and severity, Implements ways to control losses, utilizing risk control measures such as loss prevention and segregation of exposures, Present to management appropriate alternative risk-control techniques, Implement agreed-upon alternatives, assisting in the development of written policies, procedures, and training programs and Monitor program development


The internet, software, and technology are so pervasive that we can’t remember having ever lived without them. They make our lives simpler, but behind the curtain are fluctuating challenges in protection and monetization; challenges that our firm stays two steps ahead of. We’ve helped engineers, inventors, gaming startups, and entrepreneurs develop, license, sell, secure the correct cover for their emerging business. 


We understand that our clients seek assistance in developing and executing a range of issues from employee benefits strategy to a cost-effective risk-management strategy that responds to a full range of risks faced by their businesses. No matter what the situation is, HM Risk Group can assist you in developing your business needs.



With health care cost rising it is important that employers secure not only affordable health care options but also health care that meet the needs of your employees and their families.  HM Risk Group can help guide you through a myriad of employee benefit options.

High Net Worth

HM Risk Group offers insurance cover for individuals with significant assets to protect, and who appreciate superior levels of cover and service for their homes, contents, fine art, jewellery, antiques, collections and personal liability.