Headquartered in Bel Air, Maryland, Harford Mutual Insurance Group is represented by nearly 500 independent insurance agencies. Licensed in Delaware, Georgia, Maryland, New Jersey, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, and Washington D.C., we write more than $250 million in direct written premium. To protect our franchise value, we only choose agencies that are committed to developing a true working partnership. We are guided by our core conservative principles, so our plans for growth and our financial strength and stability ensure you can rely on us now and in the future. 

The A.M. Best Company, a leading financial rating organization for the insurance industry, ranks Harford Mutual Insurance Group as A (Excellent), Financial Size IX.

Interested in being appointed? Contact our Business Development Territory Managers for consideration. Call 800-638-3669 and ask for Jerod Kuhlmann for consideration in DC, DE, MD, NJ, or PA or Matt Summerell for consideration in NC, SC, TN. GA, or VA or email us at Agency Prospect Contact.


We are licensed to write insurance in the following states/territories:

  • Delaware
  • Georgia 
  • Maryland
  • New Jersey
  • North Carolina
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Virginia
  • Washington D.C.