The Harford Mutual Insurance Company

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On November 23, 1842, a group of residents met at the Harford County Courthouse to form the Mutual Fire Insurance Company. Fire and lightning coverage was afforded to dwelling and farm properties. Policies were written on an assessable basis, meaning that additional premiums could be charged if the company s funds were insufficient to pay claims. The assessable feature remained in place for 100 years before policies converted to nonassessable 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 20th century, the company had expanded into additional states. The company changed its name to The Harford Mutual Insurance Company. It acquired 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. The company is represented by nearly 300 independent agencies.