Billing Services


Pay Plan Options Frequently Asked Questions  


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, Monday through Friday, 8:30 a.m. to 4:30 p.m. toll free  1(866)377-1896.


Make a Payment
By Phone: Toll Free 1(855) 590-2456
Online: Secure Bill Payment System (click here to enter our secure payment website)


Either of the above two payments options may be utilized 24/7, 365 days a year. There is no convenience fee for making a payment over the telephone or online. Your payment must be for at least the minimum balance due with a maximum payment limit of $8,000. Payments made by 8:00 p.m. EST will post to your account on the next business day. Payments after 8:00 p.m. will post to your account the second business day. Payments made over the telephone or online after the cancellation effective date will not automatically result in reinstatement of your policy. Your payment will be applied to any balance due after cancellation credits are applied. To use the “by phone” or “online” payment services you will need to enter your account billing number along with the billing account zip code exactly as they appear on your billing statement. Note that your account billing number is not the policy number. The account billing number is located in the top right corner of your billing statement. If your payment information does not display, please contact the Accounting Department at the toll free number listed above


Direct Bill Flexible Pay Plan Options


Insureds will be assigned an account billing number and billed once a month with one statement for all inforce policies, according to the terms of the payment plan selected. Available Payment Plans are:

  • One payment due the effective month of the policy
  • Three payment option - 40% due on the effective date, 30% due in the 3rd policy month, and 30% due in the 5th policy month
  • 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 starting with 10% due on the effective date of the policy

For those insureds that have chosen one of the installment payment plan options, a $3.00 installment fee, per installment will be applied to each policy on the account, except for the first installment. Future installment fees may be avoided by paying the full balance due on the account.



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 mail your payment at leaset seven days before the due date and 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. If you need to overnight your payment to Harford Muutal the street address is:
    The Harford Mutual Insurance Companies
    200 North Main Street
    Bel Air , Maryland 21014-3544
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. A $5.00 late fee will be applied per policy whenever a cancellation notice for non-payment of premium is processed.
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. When a check is returned by the bank for non-sufficient funds, a $25.00 NSF fee will be charged. Checks submitted electronically via the telephone or online, are not re-deposited a second time.
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. If you have any questions as to why your policy is cancelled, please contact your insurance agent.
Q: Can I pay my bill with a credit card?
A: Yes you make a payment online or by telephone using an electronic check, debit card, Visa card, MasterCard, or Discover card..
Q: Can I pay my bill over the telephone?
A: Yes, please call 1(855) 590-2456 and follow the instructions to make your payment. Available in English and Spanish.
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 Monday through Friday 8:30 a.m. to 4:30 p.m. toll free 1(866) 377-1896.


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