In 1988, Harford Mutual formed a downstream holding company, Harford Group, Inc., and a wholly-owned stock insurance company, Firstline National Insurance Company. Firstline National is used to write special program insurance business and to provide alternative pricing on other insurance business subject to underwriting guidelines. By way of management agreement, all of Firstline’s direct business is ceded to Harford Mutual, later receiving back a 25% share of Harford Mutual’s net premium.