PRODUCTS & SERVICES

Lines of Business

Harford Mutual offers diverse lines of commercial insurance products. We strive to offer competitive prices, exceptional services, and innovative products to meet today’s insurance needs.

Business Owners
Designed to offer comprehensive coverage for the small- and medium-size business owner.

Commercial Automobile
Covers liability and physical damage for business-owned vehicles.

Commercial Crime
Coverage is available to insureds to cover crime-related perils such as burglary, theft, and robbery of money or property.

Commercial General Liability
Coverage can be written as part of a package or as a separate policy for a variety of businesses to protect them from assorted liability and contractual exposures.

Commercial Inland Marine
Miscellaneous property usual in an insured’s operation can be written on an inland marine floater to pick up the on and off premises exposures for various classes of business.

Commercial Package
A multi-line policy the insured can tailor to meet his or her business needs.

Commercial Property
Business Personal Property can be written on a Scheduled or Blanket basis as part of a package or as a separate policy. An enhancement endorsement (ACE) can be added to extend coverage.

Commercial Umbrella
Provides increased limits in addition to the limits provided by general liability, commercial auto, and employers’ liability.

Employment Related Liability
A claims-made policy can be written in most states to cover the employment-related liability exposures of a business.

Workers’ Compensation
Designed to cover medical expenses and lost wages for employees injured on the job.