Billing Services

Harford Mutual offers convenient and flexible payment options for our policyholders and agents.  All billing service questions should be directed to the Accounting Department of The Harford Mutual Insurance Companies at toll free 1(866) 377-1896.

Direct Bill Flexible Pay Plan Options

Insureds will be assigned a billing customer number and billed once a month with one statement for all inforce policies. Available Payment Plans are:

• One payment due the effective month of the policy
• Four payment option – 25% due the effective date, and 25% each 3rd, 5th, and 7th policy month (Note: This is not a quarterly payment plan.)
• Seven payment option – 25% due the effective date and 12.5% due in each of the next six policy months
• Ten payment option – 10 equal installments

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Frequently Asked Direct Bill Questions

Q:	When will my bills be sent?
A:	We will bill you at least 22 days prior to the due date.
Q:	Where do I send my payment?
A:	The billing address is:
		The Harford Mutual Insurance Companies
		P O Box 62434
		Baltimore , Maryland 21264
	We recommend that you use the envelope and the billing stub provided with your billing invoice. The envelope has been pre-coded for faster processing. We also request that you please write your billing customer number on your check.
Q:	What if my payment is late?
A:	A notice of cancellation will be issued if payment is not received by the due date of the bill.
Q:	What if my check is return by the bank?
A:	The Company will automatically re-deposit the check with the bank for a second presentment. If the check is returned by the bank for a second time, the company will issue a cancellation for non-payment of premium notice.
	Please note: If the check had been provided to satisfy a previously issued notice of cancellation, then the cancellation date will go back to the cancellation date advised in the original cancellation notice.
Q:	Can I change the due date of my bill?
A:	No, the bill date is based on the effective date of the policy, due according to your payment plan.
Q:	What if I pay less than the minimum due required on my bill?
A:	Paying less then the required minimum due payment may result in a notice of cancellation being issued.
Q:	How does a change to my policy affect my bill?
A:	When an endorsement to a policy is processed that is premium bearing, the change may increase or decrease the remaining scheduled premium payments.
Q:	How does the installment plan work?
A:	See the section above titled Direct Bill Flexible Pay Plan Options.
Q:	What do I do if I receive my bill and the premium should be paid by my mortgage company?
A:	For a commercial policy we do not have the billing capability at the present time to directly bill a mortgage company.  You should forward the bill to the mortgage company for payment.
Q:	What if my policy is cancelled?
A:	If your policy is cancelled, the unearned premium, if any, will be used against any unpaid balance. If no balance remains, any unused premium will be returned to the insured.
Q:	Can I pay my bill with a credit card?
A:	Not at this time.
Q:	Can I pay my bill over the telephone?
A:	Yes, please call 1(866) 377-1896.
Q:	What should I do if my billing address changes?
A:	As soon as you are aware your billing address is changing, please notify your insurance agent.
Q:	Who do I call about my bill?
A:	Please call the Harford Mutual Accounting Department toll free 1(866) 377-1896.

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