Got questions? Need some info? Want to know what Harborway can do for you? You’re in the right place.

Hello, agents.

We’re Harborway. 
Presented by Simply Business®.

We’re trusted, coast to coast

We’re small business pros

Small business insurance is what we do. We can handle the complexities of commercial lines so you don't have to.  

We use technology for good

We can reduce the time and effort needed to get client information. We can make it faster and easier to get and bind quotes. We can let you focus on taking even better care of your clients.

We’re a licensed insurance producer in all 50 states and the District of Columbia. Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an “A+” (Superior) rated reinsurance carrier by A.M. Best.

What we offer you.

No broker appointment required 

No paperwork. Licensed agents will have immediate access through one of our wholesale partners: 

AmSuisse, Appalachian Underwriters, Inc.,   Tarmika, USG

Instant COIs

COI and policy documents are sent electronically to both you and your client.

Quotes in 10 minutes or less, 24/7 

Quotes are fast and you can bind instantly online



  • $1M Occurrence
  • $2M Aggregate

Additional Coverage Highlights

  • Damage to Rented Premises $100K Limit
  • Medical Payments $5K Limit
  • Blanket Additional Insured CG 20 10

Included on all contractor policies

  • Blanket Additional Insured CG 20 26

Included on all professional, retail and freelance policies

  • Blanket Waiver of Subrogation ($) Available
  • Primary Non-Contributory Available
  • TRIA coverage ($) Available

General Liability ISO Based

Contractors E&O Endorsement


  • $25,000 Occurrence
  • $50,000 Aggregate
  • $500 Deductible

Additional Coverage Highlights

  • $53 in additional premium. Available for select trades.

Inland Marine   


  • $5,000 or $10,000


  • $500

Top 10 Classes.

Contracting trades are NOT available in New York. In addition, we are not a market for roofing or tree services.

  • Air conditioning systems installation and repair
  • Appliance and accessories installation and repair
  • Bathroom remodeling
  • Cabinet installation
  • Carpentry
  • Carpet, rug, furniture, or upholstery cleaning
  • Combined heating and air conditioning installation and repair (HVAC)
  • Communication, cable or satellite installation
  • Deck installation
  • Door or window installation and repair

Artisan Contractors

  • Beautician / cosmetology services
  • Business consulting
  • Computer programming services
  • Computer repair and maintenance
  • Education consulting
  • Eyelash technician 
  • IT consulting
  • Life / career / executive coaching
  • Management consulting
  • Nail technician services

Professional Services

  • Car detailing
  • Exterior cleaning services
  • Housekeeping
  • Maid services

Cleaning Services

  • Catering
  • Diet / nutrition services
  • Dog walking
  • Home bakery
  • Interior decorator
  • Personal chef
  • Personal concierge / assistant
  • Personal training (health and fitness)
  • Professional organizer
  • Yoga / pilates instruction

Lifestyle Service Providers

  • Event planning / promotion
  • Graphic Design
  • Musicians
  • Photography
  • Singer / Vocalist
  • Videography (freelance)
  • Website design


Additional Classifications Available.

Exterior cleaning services

Lawn care services

 Landscaping services

Maid services




Painting and wall covering contractors 


Floor covering installation

© 2023 Harborway Insurance Agency, LLC.   Terms & Conditions     Privacy Policy

* Eligibility for coverage, actual quotes, and premium price will depend on the specific nature of the business and the insurance providers available.

All Rights Reserved Harborway Insurance Agency, LLC. Harborway Insurance policies are underwritten by Spinnaker Insurance Company (NAIC # 24376). Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217. For more information, please refer to our Privacy Policy and Terms & Conditions.

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