Business Details
Your Trusted Insurance Partner in Farmville, VA
Harwood & Son Insurance has served the Farmville community and beyond for over 150 years, providing comprehensive risk assessment and insurance management solutions tailored to meet the unique needs of our clients. We collaborate with Keystone Insurers Group, the 5th largest privately held Property and Casualty Agency in the U.S., granting us access to over 50 insurance carriers and enabling us to deliver nationwide coverage with a local touch. Our team specializes in commercial property, general liability, cyber liability, and employee benefits programs, supported by dedicated departments for loss control, surety bonds, compliance, and claims management. We pride ourselves on our exceptional claims advocacy, achieving a 73% reversal rate on denied claims last year, and have recently expanded our expertise with specialists in home healthcare and social services risk management.As a full-service agency, we offer customized insurance solutions for private schools, contractors, and businesses of all sizes, combining the resources of a national firm with the personalized service of a local partner. Our mission is to exceed client expectations by protecting assets, preserving net worth, and ensuring organizational efficiency through innovative risk management strategies. With licensed operations in 48 states and experience handling over $2 billion in annual premiums, we maintain a steadfast commitment to integrity, professionalism, and client-centric service, as evidenced by decades-long relationships with satisfied clients across diverse industries.
Services
Commercial Property Insurance
General Liability Coverage
Employee Benefits Programs
Risk Management Services
Claims Coordination
Surety Bonds
Cyber Liability Insurance
Loss Control Services
Contractor Insurance
HR Compliance Support
Highlights and features
- We offer over 150 years of combined experience in risk assessment and insurance management.
- We provide access to 50+ insurance carriers for comprehensive coverage options.
- We maintain dedicated departments for loss control, surety bonds, and claims advocacy.
- Our claim reversal rate reached 73% last year through expert advocacy.
- We specialize in industry-specific solutions for private schools and contractors.
What people say
Outstanding service
Personal level of service
Always been there
Most honest agency
Hardworking and competent
Services
Risk Management
We provide comprehensive risk assessment and mitigation strategies tailored to businesses across industries. Our team identifies potential exposures, implements prevention protocols, and designs customized insurance programs to safeguard your assets. With dedicated professionals and access to 50+ carriers, we ensure optimal protection at competitive rates while maintaining compliance with regulatory standards.
Commercial Insurance
We offer specialized insurance solutions for commercial properties, general liability, and business operations. Coverage includes protection against property damage, liability claims, and cyber threats, with flexible deductible options and customized payment plans. Our expertise extends to contractors, private schools, and organizations requiring specialized policies like abuse/molestation coverage and worksite pollution protection.
Employee Benefits Programs
Our comprehensive benefits packages include health, life, disability, and retirement planning solutions. We provide COBRA administration, Section 125 plans, and web-based tools for payroll integration and benefits enrollment. With expertise in healthcare reform compliance, we help businesses manage costs while offering competitive employee benefits packages that attract and retain talent.
Claims Coordination
We act as your advocate during claims processes through our dedicated claims department and former carrier VP. Our team ensures prompt reporting, provides documentation support, and negotiates with insurers to maximize recovery. Last year, we achieved a 73% reversal rate on denied claims, protecting clients' interests through effective claims management and dispute resolution.
Surety Bonds
We offer efficient surety and fidelity bond solutions with streamlined application processes. Our services include immediate prequalification for smaller projects up to $350,000 based on credit ratings, eliminating extensive paperwork requirements. We assist contractors in securing necessary bonds for project eligibility while providing expert guidance through the bonding process for both standard and complex requirements.
People
Scott Harwood Jr
Agent
Scott Harwood Jr prioritizes client interests while securing optimal coverage. With deep industry expertise, he provides personalized insurance solutions, maintaining the Harwood Agency's reputation for honesty and professionalism through dedicated client relationships.
Questions
What types of insurance do you offer for private schools?
We provide comprehensive coverage including property insurance with disappearing deductibles, general liability with per-location limits, business auto coverage, and specialized protections for abuse/molestation claims and corporal punishment incidents.
How does your claims advocacy process work?
Our dedicated claims team, including a former carrier VP, advocates for clients by reviewing denied claims, providing documentation support, and negotiating with insurers to maximize recovery, achieving a 73% reversal rate last year.
Do you serve businesses outside Virginia?
While headquartered in Farmville, VA, we're licensed in 48 states and provide nationwide coverage through access to 50+ insurance carriers, combining national resources with personalized local service.
What insurance solutions are available for contractors?
We offer tailored programs including general liability, workers compensation, commercial auto, inland marine coverage, surety bonds, and worksite pollution protection with broad additional insured provisions.
How do you help businesses with employee benefits?
We provide health, life, disability, retirement plans, and compliance solutions through a web-based platform with COBRA administration, Section 125 plans, and strategic cost-management guidance.
