Billing FAQ

Q:  When will my bills be sent?
A:  We will bill you at least 22 days prior to the due date.

Q: Where can I mail my payment?


Harford Mutual Insurance Group
P. O. Box 62434 
Baltimore, Maryland 21264


Harford Mutual Insurance Group
200 North Main Street 
Bel Air, Maryland 21014-3544

FOR FASTEST PROCESSING: Use the pre-coded envelope and billing stub provided and write your billing customer number on your check.

Q: What if my payment is late?
A: A notice of cancellation will be issued if payment is not received by the due date of the bill.

Q: What if my check is returned by the bank?
A: We will automatically re-deposit the check with the bank for a second presentment. If the check is returned by the bank for a second time, we will issue a cancellation for non-payment of premium notice. Please note: If the check had been provided to satisfy a previously issued notice of cancellation, then the cancellation date will go back to the cancellation date advised in the original cancellation notice.

Q: Can I change the due date of my bill?
A: No, the bill due date is based on the effective date of the policy, due according to your payment plan.

Q: What if I pay less than the minimum due required on my bill?
A: Paying less than the required minimum due payment may result in a notice of cancellation being issued.

Q: How does a change to my policy affect my bill?
A: When an endorsement to a policy is processed that is premium bearing, the change may increase or decrease the remaining scheduled premium payments.

Q: How does the installment plan work?
A: Refer to Direct Bill Flexible Pay Plan Options.

Q: What do I do if I receive my bill and the premium should be paid by my mortgage company?
A: For a commercial policy we do not have the billing capability at the present time to directly bill a mortgage company. You should forward the bill to the mortgage company for payment.

Q: What if my policy is canceled?
A: If your policy is canceled, the unearned premium, if any, will be used against any unpaid balance. If no balance remains, any unused premium will be returned to the insured.

Q: Can I pay my bill with a credit card?
A: Yes, we accept VISA®, MasterCard®, Discover®, and American Express®. Call 1-855-590-2456 or Pay Online

Q: Can I pay my bill over the telephone?
A: Yes, please call 1-855-590-2456 .

Q: What should I do if my billing address changes?
A: As soon as you are aware your billing address is changing, please notify your insurance agent.

Q: Who do I call about my bill?
A: For questions about your bill, please call the Harford Mutual Accounting Department toll-free at 800-638-3669 Monday through Thursday 8:30 a.m. to 4:30 p.m. and Friday 8:30 a.m. to 3:30 p.m. (EST)