Top Workplaces 2022

No. 3 midsize Top Workplace 2022: Harford Mutual Insurance makes mutuality a daily goal

Underwriting team members Amani Simon-Chapman, left, and Megan King at Harford Mutual Insurance.

At Harford Mutual Insurance Group in Bel Air, the word “mutual” in its name truly has meaning. The company’s tagline is “Insuring Opportunity through Mutual Success” — something the leadership says is a daily goal for its 180 employees.

“Harford Mutual was founded on the principles of mutuality, and that mutual mentality is at our core,” said Stacey Rebbert, the company’s assistant vice president of marketing and corporate communications. “We act as one team, holding ourselves accountable to one another, working collaboratively, respecting our diversity and conducting ourselves with integrity.”


The roots of the property and casualty insurer, founded in 1842, run deep in Maryland.

“We are a mutual organization dedicated to the well-being of our team members, policyholders, agency partners and the communities where we live and work,” Rebbert said.


This is illustrated in part through the team’s dedication to Harford County, as well as communities across nine states and Washington, D.C., where it does business. For instance, its Gives Back program partners with more than 70 local and national charitable organizations, providing volunteer and financial assistance. The company’s charitable giving — more than $625,000 last year alone — supports organizations focused on health and human services through poverty alleviation, equity and inclusion, community health and safety.

”We also offer lunch-and-learn workshops with our community partners to our employees,” said Emily Cavey, a marketing communications specialist.

The Evening Sun


Get your evening news in your e-mail inbox. Get all the top news and sports from the

Harford Mutual has formed several employee-led committees to maintain a robust internal culture. The Spirit Committee plans multiple events throughout the year, including hikes, virtual cooking contests and employee fitness challenges. The Inclusion, Diversity and Opportunity Committee, formed in 2020, has a mission to create meaningful change through self-examination in the areas of inclusion and diversity.

Meanwhile, the company’s “Innovation Chamber” focuses on implementing new ideas that improve products, processes, services or business models and enable the organization to remain successful.

Executives said Harford Mutual’s culture is “unlike any other” in the industry, a place where employees can thrive, no matter their gender, race, sexual orientation, religion or age.

The company offers educational assistance for training, professional programs and college degrees, plus flexible schedules, paid and unpaid volunteer hours, free mental wellness assistance, and parental leave.

Throughout the year, the company marks service milestones with an annual employee appreciation celebration and a Thanksgiving breakfast.

Amid the pandemic, the company’s annual holiday gathering had to be re-imagined. Leadership decided not to cancel the event but instead hosted a special dinner pickup at Maryland Golf & Country Clubs in Bel Air.


“Senior leadership donned elf and reindeer costumes and loaded employee cars with complete family dinners as they drove through the parking lot,” Rebbert said. “This gave everyone the opportunity to stay connected and ended up being a great way to say thank you to our hardworking employees.”