Agency website
About us
Risk Assessment and Insurance Management Since 1866
Harwood is a trusted name in Independent insurance. We want to be your outsourced Risk Management Department. We don't sell insurance policies, we provide full service risk assessment and treatment options, using insurance as a last resort.
It could be something as simple and changing a few words in your lease/rental agreement and you've eliminated the risk without buying more insurance. Give us a call and let us show you how we can help your business run more efficiently, more safely, and with more profitability - without having to increase your insurance budget.
Our family has been providing risk assessment and insurance management since 1866
What our clients are saying
"Very helpful. We all like Mr.Harwood and Cindy."
"While Harwood and Son insured us through some of the biggest underwriters in the country, they also provided a personal level of service only found in a smaller, local business"
"Scott Harwood Jr is like family to us. He puts our interests first and makes sure we have the best coverage available. The Harwood agency is the most honest, hardworking and competent insurance agencies we've ever worked with"
"If you want to be treated like valued family, visit Harwood and Son. You won't be disappointed. John is the best!"
"John Hardy was very personable and responded quickly to all my questions. "
"John Hardy helped us with liability insurance for some property we own. He explained how liability works on property, was looking at Google Earth while we were all on the phone and mentioned several things that may affect the policy but stated he would get back with us with more definite information. He did get back with us with the quote and all the explanations. John said what he was going to do and did what he said he was going to do. That is all I ask of anyone. Thank you John."
"Scott Harwood Jr is like family to us. He puts our interests first and makes sure we have the best coverage available. The Harwood agency is the most honest, hardworking and competent insurance agencies we've ever worked with."
""While Harwood and Son insured us through some of the biggest underwriters in the country, they also provided a personal level of service only found in a smaller, local business"
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Personal and Commercial Lines insurance experts
Ask me about these types of insurance...
An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.
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Request a cyber liability quoteAn independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.
Request a umbrella insurance quoteRestaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.
Request a restaurant insurance quoteHotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.
Request a hotel insurance quoteWhy choose Harwood & Son Ins
States we serve
- Kentucky
- North Carolina
- Pennsylvania
- Tennessee
- Virginia
- West Virginia
Our insurance coverages
Personal insurance coverage
- Automobile
- Boat
- Builders Risk / Construction
- Collectible Auto
- Condo
- Flood
- Home
- Other
- Personal Watercraft
- Renters
- Special Event
- Umbrella
- Vacant Land
- Valuable Items
Business insurance coverage
- Bonds
- Builders Risk
- Business Owners Package (BOP)
- Business Vehicle
- Contractors Equipment
- Cyber Liability
- Employment Practices Liability
- Errors & Omissions
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Life & Annuties coverage
- Annuities
- Life
Industries we serve
- Accommodation and Food Services
- Administrative and Support and Waste Management and Remediation Services
- Agriculture, Forestry, Fishing and Hunting
- Arts, Entertainment, and Recreation
- Construction
- Educational Services
- Finance and Insurance
- Health Care and Social Assistance
- Information
- Management of Companies and Enterprises
- Manufacturing - Food / Beverage / Textiles / Apparel / Leather
- Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
- Manufacturing - Wood / Paper / Paper / Mining / Plastics
- Mining, Quarrying, and Oil and Gas Extraction
- Other Services (except Public Administration)
- Professional, Scientific, and Technical Services
- Public Administration
- Real Estate and Rental and Leasing
- Retail - Sporting Goods / Hobby / Music / General / Misc.
- Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
- Transportation and Warehousing
- Utilities
- Wholesale Trade
Recommended insurance company partners
Other companies we work with:
Penn National Insurance, Rockingham Casualty CompanyHarwood & Son Ins Team
Harwood & Son Ins Reviews
Customer Reviews
Very helpful. We all like Mr.Harwood and Cindy.
While Harwood and Son insured us through some of the biggest underwriters in the country, they also provided a personal level of service only found in a smaller, local business
Scott Harwood Jr is like family to us. He puts our interests first and makes sure we have the best coverage available. The Harwood agency is the most honest, hardworking and competent insurance agencies we've ever worked with
If you want to be treated like valued family, visit Harwood and Son. You won't be disappointed. John is the best!
John Hardy was very personable and responded quickly to all my questions.
John Hardy helped us with liability insurance for some property we own. He explained how liability works on property, was looking at Google Earth while we were all on the phone and mentioned several things that may affect the policy but stated he would get back with us with more definite information. He did get back with us with the quote and all the explanations. John said what he was going to do and did what he said he was going to do. That is all I ask of anyone. Thank you John.
Scott Harwood Jr is like family to us. He puts our interests first and makes sure we have the best coverage available. The Harwood agency is the most honest, hardworking and competent insurance agencies we've ever worked with.
"While Harwood and Son insured us through some of the biggest underwriters in the country, they also provided a personal level of service only found in a smaller, local business
