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 / 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.
Jason Lloyd
Commercial Insurance Consultant
Jason Lloyd is a Commercial Insurance Consultant at Alera Group with extensive experience in the insurance industry. He specializes in creating tailored risk management strategies that reduce overall risks and insurance costs for clients. As a licensed Property & Casualty producer, Jason focuses on the Construction, Artisan Contractor, and Manufacturing space, bringing expertise and a client-focused approach to every engagement. He values building strong relationships and prioritizes educating clients on how to make themselves an attractive risk. His approach involves a thorough assessment of client risk profiles, potential exposures, and developing comprehensive insurance solutions, covering property and casualty, life, health, and specialty lines.
Jason holds a bachelor’s degree in education from Albright College and the Certified Insurance Counselor (CIC) designation. He is actively involved in the Philadelphia Master Plumbers Association. Outside of work, Jason enjoys spending time with family and friends. He is happily married with two young children in Montgomery County. His personal interests include hunting, fishing, camping, and skiing.
Lori Moser
Employee Benefits Operations Manager
Lori is the Operations Manager of Employee Benefits at Alera Group’s Bethlehem office, bringing over 20 years of experience in health insurance and group benefits. She oversees daily communications, renewals, and compliance while building strong relationships with HR teams to ensure a seamless client experience. Lori also manages a team of account managers focused on service, billing, and claims. Her deep industry knowledge, strong work ethic, and approachable style make her a trusted and valued member of the 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.
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
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
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
Sign Up
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
Sign Up
THOUGHT LEADERSHIP
Insights
Property and Casualty
Alera Group’s 2025 Property and Casualty Market Update
Alera Group’s 2025 Property and Casualty Market Update, designed as a bridge between Alera Group’s annual Market Outlooks — provides insight into pricing, coverage availability, market capacity and underwriting trends for the balance of 2025.
August 1, 2025
Find out more
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
Find out more
Employee Benefits
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
Find out more Employee Benefits
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
Find out more