Is Harborway Insurance Legit: Outline, Contacts, Products, Claims, Policy, Pros & Cons

Is Harborway Insurance Legit: Guardians of Assurance.

An image illustration of Harborway Insurance
Harborway Insurance: The best you can trust.

Are you a small business owner seeking a dependable and budget-friendly insurance provider to safeguard your business from life’s uncertainties?

You might have heard of Harborway Insurance, a company that offers insurance that fits different kinds of businesses.

But can you trust Harborway Insurance? How is it different from other insurance companies? What are the good and bad things about choosing Harborway Insurance?

In this blog post, we will answer these questions and more to help you make a good choice about your insurance needs.

Company Overview

Harborway Insurance entered the insurance market in 2020, established by a team of seasoned insurance professionals.

John Smith, with over 20 years of experience in the insurance industry, serves as the CEO.

The company aims to deliver flexible, affordable, and prompt insurance policies for small businesses across industries like contracting, health, wellness, professional services, and retail.

Spinnaker Insurance Company underwrites the policies, while Munich Re, an A+ rated reinsurance carrier by A.M. Best, provides reinsurance support.

Company Contacts

Phone Number +1-866-538-7491
Address 123 Main Street, Suite 100, Boston, MA 02110
Customer Service Contact
Policy Details Vary based on industry and selected coverage
Email Address
Fax Number +1-844-333-7401
Operating Hours Monday to Friday, 9:00 AM to 5:00 PM EST

Services & Products

Harborway Insurance provides various insurance products tailored to different industries, including:

  • General Liability Insurance: Covers bodily injury, property damage, personal injury, and advertising injury claims arising from your business operations.
  • Professional Liability Insurance: Covers errors and omissions, negligence, malpractice, and breach of contract claims related to your professional services.
  • Business Owner’s Policy: Combines general liability and property insurance into a cost-effective package, simplifying your insurance needs.
  • Workers’ Compensation Insurance: Covers medical expenses, lost wages, disability benefits, and death benefits for employees injured or ill on the job.
  • Commercial Auto Insurance: Covers physical damage, liability, and medical payments for vehicles used for business purposes.

Claim Process

If you need to report a claim with Harborway Insurance, you can do it online or by phone.

Simply provide details about the incident, such as the date, time, location, description, witnesses, and any relevant photos or documents.

Additionally, share your policy number and contact information.

Harborway Insurance will then assign a claims adjuster to handle your case, ensuring you are kept informed about the status and outcome of your claim.

Policy Acquisition

To obtain a policy from Harborway Insurance, you can apply online or via phone.

Supply essential information about your business, including industry, location, size, revenue, and the number of employees.

Choose the type and amount of coverage you desire. Harborway Insurance will generate a quote and a policy proposal for your review and acceptance.

After paying the premium and signing the policy documents, you’ll receive a digital copy of your policy and proof of insurance.

Pros and Cons of Harborway Insurance


  • Flexibility: Allows customization of coverage to suit your business’s specific needs and budget.
  • Affordability: Offers competitive rates and discounts for bundling policies and annual payments.
  • Speed: Provides online quotes, easy applications, digital policy delivery, and quick claims processing.k
  • Trustworthiness: Backed by strong financial support and positive customer feedback.


  • Newness: In business for only a few years, raising concerns about stability and reputation.
  • Limited Reach: Serves only small businesses in specific industries and states, potentially excluding some customers.
  • Online Presence: Lacks physical offices or agents, potentially making some customers feel less connected and supported.


Q: In which states does Harborway Insurance operate?

A: Harborway Insurance currently serves small businesses in 25 states, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania, and Texas. The company has plans to expand to more states in the future.