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Hartwell Insurance is an Insurance Company with our headquarters situated just outside of Nashville, Tennessee.

We have been assigned a Financial Stability Rating® of ‘A Exceptional’ by the credit rating agency Demotech, Inc. which can be seen on this link:

Hartwell is unique amongst Insurance Companies in that we offer our clients both Insurance and Non-Insurance solutions to the challenges that they face.

We aim to offer to all our clients, big or small, access to an insurance company that has been set up precisely to serve the client.

We use tried and tested methods of alternative risk transfer and financing to bring about meaningful, affordable and fair financial solutions to seemingly insurmountable problems.

At the root of all our solutions to client challenges is this one guiding principle: we treat every client as if they are a shareholder in our Company.

It is this principle that sets us apart from other Insurers. When you take out a Contract with Hartwell Insurance, we treat you, the Customer, as if you have a shareholding in the Company.

Client money is always treated as being client money, it is never spent on anything other than the client.

We issue simple to read contracts where there is no ‘small print’ or ‘get out clauses’. We always seek to use plain language so our customers can clearly understand what they are buying.

We are 100% transparent about how we are to be remunerated for our work.

Our Philosophy

It isn’t just our desire to recreate some traditional world where the client means something and where courtesy and respect are the norms. We realize that we live in the 21st Century and that technology brings us huge opportunities. Huge opportunities for us to help our clients.

We believe that there is an efficient frontier that exists in Insurance. A cut off point where risk transfer makes sense and retaining risk using Hartwell’s Alternative Risk Financing methodology makes sense. We believe that our client’s money must always be used in the most efficient manner and we work closely with the Broker to ensure that the client always buys the most efficient structures.

This is where Hartwell is different… Every single solution that we give our clients is aimed at empowering our clients to self-insure, and to make sensible, cost effective provision for difficult to cover Perils and in so doing they use Hartwell as their access point into the world of alternative risk solutions.

So, what does Hartwell Insurance actually do?

Firstly, it is important to understand that our approach can literally be used for any type of risk, any type of peril and any class of business. The way we approach client and client risk means that we are always able to offer a solution irrespective of the problem.

We work EXCLUSIVELY for Commercial businesses and their Brokers. We do not underwrite Personal Lines. We write and quote business using our unique method of Alternative Risk Financing for Brokers to Commercial enterprises, large and small. We are interested in Primary Layers and sub Primary Layers. We are always open to covering risks that others will not and we will always listen to the Broker and their requirements. We very much see our products as supporting not only the client and the broker, but also the Insurance market as a whole as Hartwell takes risks at levels that traditional Insurers will not offer terms. Hartwell prides itself in bringing solutions to difficult to place business such as:

We are delighted to accept : Flood, Hail, Named Wind, indeed all Natural Perils exposures in all cases we are happy to offer coverage without a deductible of any size, if required. Indeed, any Primary placement that the Broker has to place we will be able to offer a solution that is better than the competition. So, if you are a broker, we would love to hear from you and to help you provide your Commercial clients with our unique solutions to Primary placements.

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