Lines of Business

Harford Mutual Insurance Group offers diverse lines of commercial insurance products. We strive to offer competitive prices, exceptional services, and innovative products to meet today’s insurance needs. 

Designed to offer comprehensive coverage for small- and medium-size businessowners. 

Commercial Automobile 
Covers liability and physical damage for business-owned vehicles. Additional enhancement endorsements are also available to provide extended coverage.

Commercial Crime 
Coverage is available to insureds to cover crime-related perils such as burglary, theft, and robbery of money or property. 

Commercial General Liability 
Coverage can be written as part of a package or as a separate policy for a variety of businesses to protect them from assorted liability and contractual exposures. Numerous enhancement endorsements are available to provide extended coverage.

Commercial Inland Marine 
Miscellaneous property usual in an insured’s operation can be written on an inland marine floater to pick up the on and off-premises exposures for various classes of business. 

Commercial Package 
A multi-line policy the insured can tailor to meet their business needs. 


Commercial Property
Business Personal Property can be written on a Scheduled or Blanket basis as part of a package or as a separate policy. We also have numerous enhancement endorsements that can be added to extend coverage.

Commercial Umbrella 
Provides increased limits in addition to the limits provided by general liability, commercial auto, and employers’ liability. 

Cyber Liability
Cyber liability insurance is an insurance policy that provides businesses with a combination of coverage options to help protect businesses from data breaches and other cyber security issues. 

Employment-Related Liability 
A claims-made policy can be written to cover the employment-related liability exposures of a business. 

EnviroPack provides additional coverage for pollution and contractor professional claims. With this coverage, you have access to a pollution emergency spill cleanup hotline that helps to reduce the loss and minimize disruption to a business.  

Workers’ Compensation 
Designed to cover medical expenses and lost wages for employees injured on the job.