Loss Prevention Program


Apartment Program Restaurant Program  


Loss control is important to underwriting and directly affects the profitability of the business that Harford Mutual writes. Quality loss control aids in the underwriting process.


Harford Mutual staff inspectors, along with those from independent services, inspect and evaluate new business. Recommendations for preventing or controlling losses are routinely provided.


Harford Mutual can provide on-site instruction programs tailored for specific accounts, such as safe driving, eye protection, ladder safety, forklift, etc; contact


Apartment Program


Harford Mutual has developed a safety program to assist its apartment and condominium owners in the prevention and mitigation of losses. Our program covers a wide array 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, available are comprehensive Power Point presentations on a CD covering the following topics:

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


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