Why Harford Mutual?

We’re the Right Partner

Consistent. Responsive. Committed to Mutual Success.

History of Success

For over 175 years, Harford Mutual has provided our clients with insurance coverage tailored to protect their businesses. We’ve grown, yet maintained a steadfast commitment to personal service, fast, fair claims handling, and innovative products designed to meet our customers’ changing needs. From a small local insurer serving homeowners and farmers in rural Bel Air, Maryland to a regional company protecting clients in nine states and the District of Columbia, we’re committed to mutual success.

Financial Strength and Stability for the Long Haul

Headquartered in Bel Air, Maryland, our company is represented by nearly 500 independent insurance agencies who in turn are supported by our local, expert in-house staff of underwriters, claims professionals, and insurance specialists. Licensed in Delaware, Georgia, Maryland, New Jersey, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, and Washington D.C., we write more than $200 million in direct written premium. Our ongoing commitment to financial strength and stability and strategic growth make Harford Mutual a partner you can rely on now and in the future.

Reliable Protection and Outstanding Service

We provide our commercial clients with carefully designed insurance programs that help them protect the assets they’ve built. We offer:

  • Property and Liability
  • Automobile
  • Umbrella
  • Workers’ Compensation
  • Cyber Liability

We’ve designed several special programs tailored to meet the needs of restaurateurs, contractors, apartment complex and condominium owners, and a variety of other business entities. Our staff works hard to provide the very best claims, policy, and billing services for all clients. We’re always ready to answer questions and help customers find the right insurance solutions for their businesses.