Clients can have confidence in HM Workers' Compensation solutions. HM Workers' Compensation provides full-service management of Workers' Compensation coverage focused on keeping work environments safe while reducing costs from all angles. Our approach has helped to reduce lost-time incidents and improve outcomes for clients across Pennsylvania. Our loss cost multiplier range provides multiple rating options, including guaranteed cost, retrospective rating and large and small deductibles to determine price. Through customized, effective programs, we work to keep employees safe and return them to work as efficiently and effectively as possible. This generates cost savings and helps to keep our clients' companies financially sound.