Terms and Conditions for The Harford Mutual Insurance Companies' Website and Company Information
Conditions of Use
By using this website and all others owned and maintained by The Harford Mutual Insurance Companies, you are agreeing to the following terms and conditions, so please read all information carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on the website. We suggest that you periodically visit the website to review the most recent revisions. If you decide to purchase insurance products or services from The Harford Mutual Insurance Companies, the terms and conditions specified in your policy or agreements with The Harford Mutual Insurance Companies will apply. All references to “The Harford Mutual Insurance Companies” include The Harford Mutual Insurance Company and Firstline National Insurance Company.
Restrictions on Use of Materials
This website is owned and operated by The Harford Mutual Insurance Companies. Except as otherwise permitted in writing, no materials from this website or any website owned, operated, licensed or controlled by The Harford Mutual Insurance Companies may be copied, reproduced, replicated, updated, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright or other proprietary notices contained in these materials. You may not distribute, modify, transmit, reuse, repost, link, or use the content of this website for public or commercial purposes, including the text, image, audio, and video without The Harford Mutual Insurance Companies’ written permission.
Trademarks and Copyrights
All trademarks, service marks, trade names, logos, icons and domain names located on this website are the property of The Harford Mutual Insurance Company and others. Nothing contained on this website shall be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon, and domain name displayed on this website without the written permission of The Harford Mutual Insurance Company. Your use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, The Harford Mutual Insurance Companies. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Links to Other Websites
This website is hyperlinked to other websites which are not maintained or controlled by The Harford Mutual Insurance Companies. The Harford Mutual Insurance Companies are not responsible for the contents of those websites. The inclusion of any hyperlinks to such websites does not imply approval or endorsement by The Harford Mutual Insurance Companies of those websites, their content or their products or services. If you experience difficulty linking to any hyperlink website or to report a non-working link, please send us an e-mail at:
The information and descriptions contained on this website are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by The Harford Mutual Insurance Companies, but are provided “as is” and for general informational purposes only. The Harford Mutual Insurance Companies make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. In the event of any conflict between the content of this website and the terms and conditions contained in the insurance policies issued by The Harford Mutual Insurance Companies, the policies shall control. The Harford Mutual Insurance Companies do not warrant that this website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. The Harford Mutual Insurance Companies also assume no responsibility, and shall not be liable for any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video or audio from this website or arising in connection with the failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or other line or system failure.
THE HARFORD MUTUAL INSURANCE COMPANIES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
Limitation of Liability
To the maximum extent provided by law, The Harford Mutual Insurance Companies shall not be liable to you for damages of any kind whatsoever, including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.
The Harford Mutual Insurance Companies make no representation that all insurance products and services on this website are appropriate or available for your use in your state. Some insurance products and services may not be available in all states and jurisdictions. If you choose to access this website you do so at your own initiative and are responsible for compliance with any local, state and federal laws. The information contained on this website is not an offer to sell or a solicitation to buy any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Use of this site will be governed and construed in accordance with the laws of the State of Maryland.
The term “The Harford Mutual Insurance Companies” as used in this website means:
The Harford Mutual Insurance Company
Firstline National Insurance Company
The Harford Mutual Insurance Companies have their principal place of business at 200 North Main Street, Bel Air, Maryland 21014. Each of the Harford Mutual Insurance Companies are financially responsible for their own insurance products.
The Harford Mutual Insurance Companies are domiciled in and organized under the laws of the State of Maryland.
The Harford Mutual Insurance Companies are authorized to transact business in the following states: Maryland, Pennsylvania, Delaware, District of Columbia, New Jersey, North Carolina, Tennessee, and Virginia.