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We are HSR

Your Trusted Partner in Accident Insurance

Why HSR?

Trusted Expertise, Proven Results

HSR combines decades of experience with a commitment to delivering results. From underwriting to claims processing, we provide comprehensive services that meet the diverse needs of our clients. Our tailored approach ensures that you get the coverage and support that’s right for you, every step of the way.

Comprehensive Coverage Options

We offer a wide range of insurance programs tailored to meet the diverse needs of our clients, ensuring you get the right coverage for every situation.

Fast and Reliable Claims Processing

Our proven processes ensure that claims are handled swiftly and accurately, giving you the confidence that support is always timely and dependable.

Proven Track Record

With outstanding audit scores and decades of experience, HSR is a trusted partner across the insurance industry, known for delivering consistent, high-quality, accurate service.

Cost-Effective Solutions

Our innovative repricing methodology and efficient claims management help reduce costs, improving financial outcomes for all our partners.

Insurance Coverage for Every Need

K-12 Student Insurance

Mandatory, Catastrophic, and Voluntary insurance plans for K-12 schools nationwide.

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Trucking

Protects drivers and their passengers with specialized insurance that covers occupational and passenger accidents, ensuring financial security while on the road.

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College Sports

Cover your athletes with HSR’s flexible sports insurance, providing protection during games, practices, and travel, ensuring peace of mind for all involved.

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Business Travel Accident

Protect your small business with HSR's customized Business Travel Accident (BTA) coverage. From accident medical expenses to worldwide travel assistance, we've got your team covered wherever they go.

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Camps

Ensure the safety of campers with HSR’s customized accident insurance, covering everything from minor injuries to major accidents, so you can focus on providing a great camp experience.

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Special Events

Protect participants, volunteers, and guests at your events with tailored accident insurance that offers peace of mind, no matter the size or type of event.

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Church Groups

Protect your church or religious group with HSR's tailored coverage, designed to meet the unique needs of your community. From youth group activities and senior events to festivals, volunteer groups, and childcare, we've got you covered so you can focus on your mission.

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Student Travel

Unfortunately, accidents happen away from home and things don’t always go as planned which is why Student Travel insurance from HSR can help provide peace of mind while students are traveling, whether domestically or internationally.

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Day Cares

Ensure the safety of children in day care with essential accident medical coverage, providing peace of mind for working parents and protecting their little ones from unforeseen incidents.

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National Governing Bodies

Coverage for thousands participating in sanctioned activities nationwide, ensuring their commitment and resilience shine through.

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Youth and Adult Sports

Mitigate the risks inherent in sports with tailored participant accident coverage from HSR, ensuring protection for youth and adult athletes across a variety of traditional and emerging sports.

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Participant Accident

Coverage pays for medical bills incurred when participants are injured in a covered accident.

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Honest Feedback

Our customers are our best marketers

"HSR has provided exceptional insurance products and service for over 40 years, offering stability and professionalism in a specialized market. Their leadership, team, and advanced claims administration set them apart, making them our trusted partner."
"I've worked with HSR for 30 years, and their expertise in Excess Accident coverage is unmatched. They don’t just cut checks—they truly understand claims administration and anticipate issues before they arise. Their combination of administration and entrepreneurial insight sets them apart, making them my go-to partner for nearly three decades."
"I needed a trusted TPA that could act as an extension of my team, and HSR has been the perfect partner. What set them apart was the people—I can always rely on them for prompt, professional support. Working with HSR has been so fantastic that they are now my go-to for all TPA services across multiple insurance carriers. Their professionalism, empathy, and efficiency make them invaluable to me and my clients, and I highly recommend them to other brokers and carriers."
"We needed a trusted administrator with expertise in the products we write and a commitment to excellent customer service for our clients. HSR has been a great partner for over 15 years, and they’re my top choice when clients need a claims administrator. Their portal makes it easy to access real-time loss reports, which I appreciate as an underwriter. What impresses me most is their professionalism and deep knowledge of the A&H space. Every team member has a service-oriented mindset, truly dedicated to helping solve any issues. I look forward to many more years of working with them."
"In 1994, CIGNA faced major issues with a TPA that didn’t understand Excess PAI coverage, creating a nightmare for our clients. That's when we turned to HSR, and they truly stood out. Their unique blend of administration and entrepreneurial expertise set them apart from other providers. Now, 30 years later, we’re still working with HSR, which speaks volumes about the results. They understand claims administration is more than just cutting checks—they anticipate and solve problems before they arise. Any organization dealing with complex, 'out-of-the-box' coverage will find a reliable partner in HSR. Their swift, smart, and effective responses make all the difference."
"HSR has been a trusted partner for over 40 years, consistently delivering quality products and superior service. They’ve successfully underwritten, administered, and met the needs of our clients in a highly specialized marketplace, offering continuity and stability. Their professionalism, competitive pricing, and exceptional claims administration stand out, as does their investment in enhanced technology. HSR is an ideal partner for organizations such as universities, K-12 schools, camps, athletic organizations, and more. We couldn’t be more pleased with our long-standing partnership and the value they bring."
"Mutual of Omaha has enjoyed a nearly 20-year partnership with HSR, and their excellent customer service and claims handling set them apart. While we know there are other options, HSR's professionalism and expertise make them the perfect match for us. What impresses us most is their people and their knowledge. They consistently provide prompt and accurate responses and truly look out for our interests. We highly recommend HSR to anyone seeking a reliable, hardworking TPA that continuously invests in improving their technology and service."
"HSR demonstrates an impressive depth of knowledge and expertise in handling accident medical claims. In addition to technical proficiency, their approachability, genuine friendliness, and solution-driven strategy makes working with HSR an absolute pleaser. HSR is a true asset to the claims administration field."
$ 110 M

premiums administered annually

170000

claims processed each year

15

day average max turnaround time on claims processing

Get Started With HSR

Whether you’re looking for comprehensive coverage or reliable claims management, HSR is here to help. Let’s work together to create a solution that fits your needs.