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

Limits

• $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

Limits

• $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

Limits

• $5,000 or $10,000

Deductibles

• $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

Gigpreneurs

Exterior cleaning services

Lawn care services

Landscaping services

Maid services

Photography

Handyperson

Housekeeping

Painting and wall covering contractors

Catering

Floor covering installation