Harford Mutual expands national footprint with merger of Clearpath Specialty

Property and casualty insurer Harford Mutual Insurance Group has expanded its national footprint after the successful merger of Clearpath Specialty, formerly known as ClearPath Mutual Insurance Company, into the Group.

The merger officially took effect on August 4, 2023, marking a milestone in Harford Mutual’s 181-year-old history.

ClearPath Mutual is a well-established monoline workers’ compensation carrier based in Louisville, Kentucky. Following the merger, it now operates under the name Clearpath Insurance Company, marketed as Clearpath Specialty.

As a member of Harford Mutual Insurance Group, all policyholders continue to receive the benefits of mutuality as they renew or write new business with Clearpath Specialty.

With this merger, Harford Mutual’s national footprint has now expanded to establish three offices strategically positioned across the country. With the Home Office and headquarters in Bel Air, Md.; the Southern Office in Fort Mill, S.C.; and the Midwest Office in Louisville, Ky.

The company has also expanded its reach, with Clearpath writing workers’ compensation business in Kentucky and Indiana.

Harford Mutual’s employee base grew by approximately 55 individuals, as all Clearpath Specialty employees became employees of Harford Mutual at the beginning of 2024.

Over the last five months, Clearpath has already begun integrating into Harford Mutual programs and processes with completion expected to take place over the next 18 months into 2025.

This year, Harford Mutual is looking forward to the gradual expansion of monoline workers’ compensation into the existing states and agencies where it currently writes business.