HMS attorneys are experienced insurance regulatory practitioners and former government attorneys, providing representation to insurance companies and producers, as well as other insurance entities such as risk retention groups, third-party administrators, premium finance companies and self-insurance arrangements in regulatory compliance and licensing matters.  We counsel insurance clients in obtaining and preserving licensure, provide advice related to understanding and maintaining regulatory compliance and in responding to regulator inquiries such as market conduct and financial examinations, enforcement investigations, and consumer complaints.  We provide representation involving agency terminations, policy cancellations, coverage disputes, Mcare issues, USTIF, surplus lines compliance, life settlements, and rate and form filings.  We also represent businesses and consumers in evaluating and resolving insurance-related concerns and disputes.