As a leading all lines Third Party Administrator, H&G, Inc. has a highly respected reputation among our peers in the insurance industry as being an honest, dependable company who strives to exceed all expectations. At H&G, Inc. we are committed to giving our clients an excellent work product, with personalized service. Our claims service includes:

Property and Casualty
Workers’ Compensation
Catastrophe Relief

Consulting Services
H&G’s risk management and consulting services assist clients in identifying exposure to loss, evaluating exposure using the latest risk management techniques, and designing insurance or alternative funding programs to handle loss. Services are fee based (no commissions are carried) and range from simple coverage analysis of a client’s current insurance program to complete risk evaluation and loss funding program design and implementation.

Subrogation Services
Our commitment to subrogation begins with out belief that we are in partnership with our clients. H&G believes that we must be forever innovative and flexible to exceed our clients/partner’s expectation. We specialize in insurance recoveries including loss transfer solutions, automobile, property, medical, and deductible recoveries.

Our mission is to design and implement a recovery process for each client that maximizes recoveries – not just for one quarter, but for year after year with consistency and predictability.

Our management and recovery team consist of experienced property and casualty insurance professionals who have the knowledge and experience necessary to review and investigate files to establish recovery theories. In addition, we have an experienced network of outside counsel, each of whom specialize in insurance subrogation.

Claims Management and Administrative Services
Many enterprises that have withdrawn from a state’s workers compensation system due to adverse market conditions, have discovered that outsourcing their claims management and administration due to Hammerman & Gainer is a highly effective and cost-efficient strategy in reducing their operational costs and improving claims loss outcomes. H&G can seamlessly manage and implement your strategy and ongoing program.