Products & Services

Lines of Business

The Harford Mutual Insurance Companies offer diverse lines of commercial insurance products. We strive to offer the consumer competitive prices, exceptional services, and innovative products to meet today's insurance needs.  To see the lines of businesses we offer, please click here.

Specialty Programs

The Harford Mutual Insurance Companies offer a variety of specialty programs to our customers.  To see these specialty programs, please click here.

24 Hour Claim Reporting

The Harford Mutual Insurance Companies offers customers a 24-hour claims reporting line. This toll-free line offers policyholders, agents, and claimants the ability to report claims at their convenience, and allows non-business hour emergencies to be addressed in a timely manner.  To see additional information, please click here.

Billing Services

The Harford Mutual Insurance Companies offers convenient billing options for our agents and policyholders.  To see our billing services and plans, please click here.

Loss Prevention Programs

The Harford Mutual Insurance Companies provides its policyholders on-site inspections along with recommendations on how to avoid losses. To see our loss prevention programs, please click here.

Premium Audit Service

The Harford Mutual Insurance Companies performs premium audit services for its policyholders to determine the actual exposure(s) and then adjusts the premium accordingly. To see additional information on our premium audit service, please click here.

Fraud Awareness Program

Insurance fraud is a multi-billion dollar industry problem and continues to increase annually. To see The Harford Mutual Insurance Companies anti-fraud programs, please click here.