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Got questions? Need some info? Want to know what Harborway can do for you? 

You’re in the right place.

Affordable protection that grows with 
your business

Hello, agents.

We’re Harborway. Presented by Simply Business®Built for agents.

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.

Available through select partners:

Key Harborway Stats

Target market: microbusinesses up to 14 employees

Maximum customer revenue: $5M

Maximum payroll: $1.5M

Current lines: General Liability, Inland Marine, BOP

We’re Harborway. 
Presented by Simply Business®Built for agents.

What we offer you

No broker appointment required 

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

Quotes in 
10 minutes or less

Quotes are fast, and you can 
bind instantly online


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



  • $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


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

Additional Coverage Highlights

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

Contractors E&O Endorsement

Contractors Small Tools & Equipment


  • $5,000 or $10,000


  • $500

Inland Marine

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

Top 10 Classes

Download Appetite Guide

Need it? Lost it? Can’t find it? Easily download it and get back to business.


Download Inland Marine Guide

Offering You Even More.

Keep an eye on this space for incentives and other bonus opportunities.

Our policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an “A+” (Superior) rated reinsurance carrier by A.M. Best.

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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