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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 traditional risk sharing together with the innovative approach of a ‘crowd funding’ type solution 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.

What is insurance if it isn’t a giant form of crowd funding? The idea being to take money from the many to pay for the claims of the few.

However, somewhere along the way it is hard not to come to the conclusion that modern insurers are more concerned with taking money from the many to give to their shareholders.

This is where Hartwell is different… Every single solution that we give our clients is aimed at empowering our clients to self-insure, to share risk, to crowd fund 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 have two main areas of Business –

(1) ‘Crowd Funding’ Guarantees

Non-Insurance solutions to everyday problems such as Earthquakes, Hail or Floods which we offer to Homeowners.





(2) Brokers

Bringing solutions to difficult to place business such as:

  • Energy Insurance (Oil And Gas)
  • Dealers Open Lot
  • Habitational Property
  • Transport Risks
  • Casualty

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 clients with our unique solutions to Primary placements.

We are constantly looking to add areas of ‘crowd funding’ Guarantee solutions to our web site and if you want to suggest an area where we can add a new coverage then please get in touch with us.

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