B
Harford Mutual Ins Co
Bel Air,  MD
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.57
Risk Adjusted
Capital Ratio #2
1.25
Loss
Ratio
64.09%
Total
Assets
1.18B
Capital
438.44M
Net
Premiums
378.65M
Net
Income
40.07M
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Weiss Ratings Harford Mutual Ins Co
Bel Air, MD 		Click to
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Rating B
Capitalization Index 7.40
Investment Safety Index --
Liquidity Index 6.40
Profitability Index 3.80
Reserve Adequacy Index 4.40
Stability Index 6.90
Company Info Harford Mutual Ins Co
Bel Air, MD 		Click to
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Industry P&C
NAIC Number 14141
Phone Number (410) 838-4000
Website www.harfordmutual.com
Address 200 North Main Street Bel Air, MD 21014
Balance Sheet Harford Mutual Ins Co
Bel Air, MD 		Click to
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Total Assets 1.18B
Capital and Reserves Harford Mutual Ins Co
Bel Air, MD 		Click to
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Risk-Adjusted Capital Ratio #1 1.57
Risk-Adjusted Capital Ratio #2 1.25
1-Year Reserve Development -190.00%
2-Year Reserve Development 840.00%
Capital 438.44M
Premium to Surplus 90.00%
Reserves to Surplus 110.00%
Investments Harford Mutual Ins Co
Bel Air, MD 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 22.26%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Harford Mutual Ins Co
Bel Air, MD 		Click to
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Medical Loss Ratio --
Cash From Underwriting 100.00%
Combined Ratio 100.00%
Expense Ratio 30.00%
Loss Ratio 64.09%
Net Premium Growth -10.00%
Other Medical Harford Mutual Ins Co
Bel Air, MD 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Harford Mutual Ins Co
Bel Air, MD 		Click to
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Net Income 40.07M
Net Premium 378.65M
Health Premium --