Business Details
Your Trusted Insurance Partner in Farmville, VA
Harwood & Son Insurance has been providing risk assessment and insurance management services to the Farmville area for over 150 years. As part of Keystone Insurers Group, the fifth-largest privately-held Property and Casualty Agency in the United States, we are licensed in 48 states and have written premiums exceeding $2 billion. Our team negotiates and purchases insurance on behalf of clients, binds coverage, and advocates with insurance carriers to ensure optimal outcomes. We maintain access to over 50 insurance markets and carriers, offering specialized services such as captives, self-insurance options, and dedicated departments for loss control, benefits, surety bonds, compliance, HR management, and claims management.Our mission is to exceed client expectations by protecting assets, preserving net worth, and assisting organizations in operating efficiently and profitably. With a focus on superior performance and professionalism, we aim to deliver well-conceived solutions in a constantly evolving risk management environment. Our clients benefit from personalized service typically found in smaller local firms while accessing resources of large national organizations.
Services
Risk Management
Employee Benefits
Life Insurance
Group Health Plans
Claims Advocacy
Loss Control Coordination
Surety Bonds
HR Management Services
Captive Insurance Solutions
Estate Planning
Highlights and features
- We have over 150 years of experience in risk assessment and insurance management.
- Our agency manages $2 billion+ in annual premiums with access to 50+ carriers.
- We maintain dedicated departments for loss control, claims management, and compliance.
- Our VP of Claims advocates for clients, reversing 73% of denied claims last year.
- We combine personalized service with resources typically found in national firms.
What people say
Personal level of service
Outstanding service and handling
Most honest and hardworking agency
Advocate for clients' interests
73% denied claims reversed
Services
Risk Management
Our risk management services identify potential loss exposures and implement treatment options tailored to client needs. We evaluate facilities, equipment, and processes to prevent losses while maintaining compliance with industry standards. Clients benefit from our access to 50+ insurance carriers and dedicated loss control specialists who minimize liability damages.
Employee Benefits
We design comprehensive employee benefits programs including group health, life insurance, disability coverage, and retirement plans. Our HR management team ensures compliance with regulations while optimizing benefits packages to attract and retain talent across various industries.
Claims Advocacy
Our claims specialists advocate for clients during the adjustment process, with a 73% success rate in overturning denied claims last year. We provide reporting assistance, property preservation guidance, and direct carrier negotiations to maximize claim outcomes.
Captive Insurance Solutions
We offer captive insurance programs for clients seeking customized risk financing solutions. These programs provide greater control over claims management, potential tax advantages, and tailored coverage options not available through traditional insurance markets.
Surety Bonds
Our surety bond specialists provide bid, performance, and payment bonds for construction and commercial projects. We work with major carriers to secure competitive rates and streamline the bonding process for contractors and business owners.
People
Scott Harwood Jr
Insurance Agent
Scott Harwood Jr prioritizes client interests and ensures optimal coverage through personalized service. With deep local market knowledge, he represents Harwood & Son Insurance's commitment to honesty and expertise in insurance solutions.
Questions
What insurance services does Harwood & Son offer?
We provide risk management, employee benefits, life insurance, group health plans, claims advocacy, loss control coordination, surety bonds, and estate planning services.
Which states do you serve?
We are licensed in Virginia, Maryland, North Carolina, and South Carolina, with nationwide coverage capabilities through our carrier network.
How does Harwood & Son handle insurance claims?
Our dedicated claims team advocates for clients, with a 73% success rate in reversing denied claims last year through carrier negotiations.
What makes Harwood & Son different from other agencies?
We combine 150+ years of local expertise with access to 50+ national carriers and specialized departments for comprehensive risk solutions.
Do you offer employee benefits programs?
Yes, we design customized employee benefits packages including health insurance, retirement plans, disability coverage, and executive compensation strategies.
Reviews (3)
Shelia Harper
Oct 03, 2021
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I have been very pleased with the response and services with Harwood and Son Insurances. I appreciate the timeliness in response and attention to detail along with my customer needs. And I also need to mention the friendliness and great customer service.
Rosalyn Stokes
Jul 17, 2019
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If you want to be treated like valued family, visit Harwood and Son. You won't be disappointed. John is the best!
Jamie Headley
May 01, 2017
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I have spoken to a lot of insurance companies in my time and these guys are hands-down number one!! And have a really great attitude to get you what you're looking for
