July 14, 2020


The Delaware Department of Insurance has lifted the moratorium on cancellations and non-renewals due to non-payment during the declared State of Emergency due to COVID-19. All Delaware insureds with an allowed past due amount between March 25, 2020, and July 1, 2020, will have your overdue amount automatically spread over the next 90 days for your convenience.  If you would like to arrange a longer payment term other than the one provided, you must contact our billing department at covid19billing@hm1842.com or 1-866-377-1896 no later than August 5th, 2020.  If you do not contact us within this time, your overdue amount will remain as outlined on your billing invoice.

May 6, 2020


Due to reduced automobile travel caused by the COVID-19 pandemic, we will be providing a 20% billing credit to our commercial automobile policyholders for the months of April and May subject to and upon regulatory approval. Your Harford Mutual Commercial Automobile customers will receive a letter with the specific amount of the credit for their individual policy. The credit will be applied to any outstanding balance on the customer’s billing account. Any customer with an automobile policy in-force as of May 31, 2020, is eligible for the credit. The credit will be automatic and there is no additional action required. We will provide you with a listing of the accounts affected by the billing credit for your reference. Your agency commissions will not be impacted as this is not a reduction to the policy premium. If you have any questions, please contact your Production Underwriter.

We appreciate your commitment to Harford Mutual and look forward to a continued partnership.

April 22, 2020


The commercial property policies issued by Harford Mutual contain standard industry wording that reduce or eliminate property coverages when a building has been vacant for more than sixty (60) days preceding a loss. Because of the unique circumstances of the COVID-19 pandemic and associated mandatory closure orders in many states, Harford Mutual will not consider a property to be vacant if the vacancy occurred after an order was issued by a state/local official that closes business in that state/municipality. This waiver of the vacancy clause applies for the period of time that a mandatory closure is in effect for that state/municipality.

April 22, 2020


New Jersey policyholders may elect a 90 day emergency grace period to pay insurance premiums so that your insurance policy is not cancelled for nonpayment of premium due to any financial hardship resulting from the COVID-19 pandemic.  A policyholder may elect this 90-day emergency grace period to begin retroactively on April 1, 2020 or opt for it to begin on May 1, 2020.  To request the 90 day grace period please email our Billing Customer Service Department with your account or policy number at Covid19Billing@hm1842.com, or by phone call 866-377-1896.

Directive provided by NJ Bulletin No. 20-15.

April 14, 2020


During these times of uncertainty, the Harford Mutual Giving Committee reaffirms our commitment to providing support to charitable organizations. 

We understand that any events tied to our sponsorship may be rescheduled and/or canceled for the safety of our community and are in full support of the difficult decisions that must be made in the coming weeks. We will make every effort to be present at rescheduled events and navigate the ever-changing calendar.  

Rest assured, independent of our attendance, the financial support we’ve promised is guaranteed. First and foremost, we give to support your missions 

We truly are all in this together. 

Please send your questions to givingback@hm1842.com.

April 1, 2020


We’re committed to working with you and your customers during these challenging times and have taken the following action to support our small business customers:

Effective April 1, 2020, we are suspending cancellation and non-renewal of coverage due to nonpayment through June 1, 2020. We will not charge interest, late fees or penalties during this period, providing policyholders extra time to pay their premiums without risking cancellation. You will continue to receive your normal billing statements. If you have any questions, please contact your Production Underwriter.

COVID-19 Coverage Information

Agents and policyholders may have questions on insurance coverage when it comes to how COVID-19 is affecting their business.  As business owners, we understand you may be facing a lot of stress and uncertainty due to the impact of COVID-19.  We want to provide transparency about your policy coverage.  Several types of insurance, including business interruption, have provisions and exclusions that may be triggered as a result of COVID-19 or other viruses and communicable diseases.  The property and casualty industry along with various state departments of insurance have provided resources to assist in understanding how this coverage may apply.

March 23, 2020


Harford Mutual Insurance is committed to living our mission: Protecting the financial well-being of our policyholders through mutuality, financial strength, quality insurance products and services, and meaningful partnerships.

The rapid development of the current coronavirus pandemic (COVID-19) is unprecedented, and we are evaluating the situation daily. To support our policyholders who may be experiencing cashflow issues and are unable to make their next premium due date as a result of emergency actions of local or state mandates due to COVID-19, we are offering a 30-day extension without penalty on your next premium installment payment. 

  • To request the extension, policyholders or agents can email our Billing Customer Service Department with the account or policy number at Billing@hm1842.com and a representative will get back to you.
  • Operating hours are Monday through Thursday 8:30 a.m. – 4:30 p.m. or Fridays, 8:30 a.m. – 3:30 p.m. (EST).

Harford Mutual values the relationship we have with our agents and policyholders, and we are taking appropriate actions to assist you wherever possible. We will re-evaluate this policy regularly and update you on any changes immediately. If you have any questions, please contact your Production Underwriter.

Click here to download a PDF to share with policyholders.

March 18, 2020


Harford Mutual is closely monitoring COVID-19 developments and recommended actions coming from local, state, and federal government agencies like the CDC. Our primary focus is on protecting the health of our employees and doing our part to prevent further spread of the virus in the communities we serve. At the same time, we must ensure that we are available to our agency partners and policyholders to provide the level of service you are accustomed to.   

We have enacted our Pandemic Response Plan which outlines five severity levels with appropriate actions and protections implemented for each level. We are currently at severity level three, local exposure (state/county). We are not accepting visitors at either of our facilities in Bel Air, MD or Fort Mill, SC. All agency and insured visitation is suspended until further notice, and only essential business travel is allowed.   

We have equipped our employees to work seamlessly from home and have asked them to do so for the next two weeks with only limited essential employees working from our offices. Again, this will not negatively impact service levels to you or our policyholders as our team is equipped to provide the same level of support regardless of whether they are located in one of our offices or working remotely. Staff contact information is available on our agency portal but all team members can be reached via the same phone number and email address you’re currently using. 

We appreciate your cooperation as we all work through this to ensure we keep our employees, our agents, and our families safe and healthy. 

Thank you for your partnership

Click here to download a PDF to share.