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Harford Mutual

On November 23, 1842, a group of local citizens met at the Harford County Courthouse to form their own insurance company, the Mutual Fire Insurance Company in Harford County. Policyholders selected James Pannell as the company’s first president, with initial policies implemented in 1843. Fire and lightning coverage was afforded to mostly dwelling and farm properties in what was an under-served insurance market at the time. Policies were written on a measurable basis, meaning that additional premiums could be charged if the company’s funds were inadequate to pay claims.

The measurable feature remained in place for 100 years before policies converted to non-measurable in 1944. Despite economic ups and downs, natural disasters, a civil war, and two world wars, the company survived and prospered. By the middle of the twentieth century, the company had extended into additional states and had become multiple lines, allowing the company to write additional lines of business and to expand its position in the marketplace.

The company transformed to its current name, The Harford Mutual Insurance Company, in 1947 by an Act of the Maryland Legislature. Later, the company absorbed three other mutual insurers Planters Mutual Insurance Company of Washington County in 1966, Kent County Mutual Insurance Company in 1969, and the Mutual Insurance Company of Berks County in 1973. In 1988, the company shaped a downstream holding company, Harford Group, Inc.and a wholly owned stock insurance company, Firstline National Insurance Company. Firstline National is used to write special program insurance business and to provide substitute pricing on other insurance business subject to underwriting guidelines.

The Harford Mutual Insurance Companies present diverse lines of personal insurance products. They strive to offer the consumer competitive prices, exceptional services and innovative products to meet today's insurance needs, a policy that will provide protection for property and liability losses that take place from fire, theft, storms and other types of losses. An endorsement designed for the Homeowners policy to provide business property and liability coverage for insured operating a business from the home. They provide property and liability coverage for tenant occupied dwellings which are designed to provide excess liability for home, autos, rental properties and boats.

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