Loss Prevention Program

Avoiding accidents, preventing losses, and ensuring employee safety should be a priority for any business. Harford Mutual helps policyholders by providing access to our quality Loss Control programs including on-site inspection with recommendations, safety-training classes, tip sheets and posters.

Loss Control is an important component to the underwriting process and can have a direct impact on the policy and the profitability of the insured business.

Contact our Loss Control Specialists about integrating a Loss Control program at your business.

Apartment Program

Harford Mutual has developed a safety program to assist apartment and condominium owners in the prevention and mitigation of losses. Our program covers many of the potential property and casualty exposures presented by this class of business.

Safety issues addressed in the Apartment Loss Control Program include:

  • Premises Security
  • Snow & Ice Removal
  • Interior & Exterior Light Fixture Conditions
  • Fire Alarm & Extinguisher Maintenance
  • Railing, Stairwell and Stair Tread Safety
  • Sidewalk Conditions
  • Incident Reporting Form
  • Pool Safety
  • Public Playground Safety

Restaurant Program

Restaurant owners are confronted with their own unique loss exposures. Drawing on many years of experience insuring restaurants, Harford Mutual has created effective programs to assist restaurant owners with the management of these exposures.

In addition to our physical inspection, we can provide presentations on the following topics:

  • National Fire Protection Association Standard 96
  • Wet Chemical Fire Extinguishing System
  • Workers’ Compensation
  • Public Liability Hazard
  • Restaurant Vehicle Operation