Introduction:
The Harford Mutual Insurance Company was founded in
Harford Country in 1842. Since then, it is continuously providing property and
casualty insurance services to a regional Market. It offers tailored coverage
service coupled with claims service. It provides its fast, fair, and responsive
service through independent insurance agent. Harford Mutual Insurance Company
has served its customers with its valuable insurance products and services for
more than 170 years. During this period, Harford Mutual Insurance Company
improved its customer service, added variety of insurance product and became
successful to attract the large American market. Harford Mutual Insurance
Company has been successful to meet the changing needs of its customers with
its commitment to provide fast personal service, fair claims handling, and an effective
and innovative insurance products. Harford Mutual Insurance Company has been
ranked as ‘A (Excellent), Financial Size VIII’ by a leading financial
rating organization, A.M. Best Company.
Company
Details:
Company Name :
Harford Mutual Insurance Company
Service :
Insurance Service
Founded :
1842 in
Harford Country
Head Office :
200 North Main Street ,
Bel Air , Maryland
21014-3544
Harford Mutual Insurance Company has made its
mission to provide property and casualty insurance products to a regional market.
It has made an effort to acknowledge their policyholders that they are with
financially strong and established insurance company, which facilitates them
with completely secured environment where they can conduct their business and
other personal operations.
Management Team:
Board of Directors
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||
Officers
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President & |
Vice President & Treasurer |
|
Vice President, Claims and Corporate Secretary |
Vice President Business Development |
|
Vice President |
Vice President & Chief Financial Officer |
Assistant Vice President |
Territories:
Harford Mutual Insurance Company is currently
conducting its operations in following states:
·
Delaware
·
District of Columbia
·
Maryland
·
New Jersey
·
North Carolina
·
Pennsylvania
·
Tennessee
·
Virginia
Subsidiaries:
In 1988, Harford Mutual Insurance Company formed Harford
Group, Inc., a downstream holding company. It also owned Firstline National
Insurance Company, which is a stock insurance company. Firstline National
Insurance Company is used to write special program under insurance business and
provides alternative pricing on other insurance business, which is subject to
underwriting guidelines.
Products and Services:
Harford Mutual Insurance Company strives to offer innovative
insurance products in competitive prices exceptional services to its customers:
·
Commercial Products:
o Commercial Automobiles:
This
insurance product is designed to cover the physical damage and liability of
business-owned vehicles.
o Commercial
Business Owners:
This
insurance product is designed for small and medium sized business owners.
o Commercial
Crime:
This
insurance products covers insurance against crime related perils such as theft,
burglary, and robbery of property.
o Commercial
General Liability:
Commercial
General Liability can be written as a part of a package or even as a separate
insurance policy to protect your business from contractual exposures and
assorted liability.
o Commercial
Inland Marine:
Miscellaneous
property usually in an insured’s operation can be written as an inland marine
to pick up the on and off premises exposures for business.
o Commercial
Package:
A
multi-line insurance policy that insured can add to meet the business needs.
o Commercial
Property:
A
business property can be written as a part of package or a separate policy on a
scheduled or blanket basis. An enhancement endorsement (ACE )
can also be added to extend the insurance coverage.
o Commercial
Umbrella:
Commercial
Umbrella provides increased limits to the limits provided by commercial auto,
general liability, and employer’s liability.
·
Employment Related Liability:
This insurance coverage is written
to cover the employment related liability exposures of business.
·
Worker’s Compensation:
It covers the lost wages and medical expenses for
employees injured during the job.
Specialty Programs:
Harford Mutual Insurance Company offers variety of specialty
programs to its customers.
·
BOP Horizon
Restaurant Program
·
BOP Horizon
Restaurant Plus Program
·
Commercial
Package Policy
·
Arbor Expert
Insurance Program
Harford Mutual Insurance Company conducts fraud
awareness programs to combat the fraud problems that are continually increasing
in this industry. It keeps close surveillance not only during the claim process
by the insured and during claimant, but also towards the fraud committed by the
health care providers, agents, vendors, and even the internal employees of Harford
Mutual Insurance Company so that right person can benefit from the service. Harford
Mutual Insurance Company conducts the anti-fraud plan under the supervision of
Company Fraud Coordinator.
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