A piece of our mind.

It is my view that whilst seemingly all Capital is equal, some Capital is more equal than others. What do I mean? The foundation of an insurance entity seems to follow very predictable routes: create a new company, do the rounds of various Private Equity funding or similar, obtain a huge amount of Capital, start underwriting or broking or whatever it is the company proposes to do. Sounds straight forward enough doesn’t it? But what does this actually mean? ´Capital is not t

The year 2026 marks the tenth Anniversary of Hartwell Insurance. It feels as though it was just yesterday that two enterprising Lloyd’s brokers set up Hartwell Insurance in the fair State of Tennessee. Simultaneously, it also feels as though I have lived every step of the way. The Chinese have a saying that the longest journey starts with the first step and the journey that we started ten years ago continues forwards, thanks to the grace of God, into an ever exciting future.

Hartwell is delighted to announce the launch of their new General Liability Program for Multi Family building owners. The program is called Angelus and will address the excluded risks of: Assault and Battery, Shooting, Sexual Molestation, Dog Bite

Capital providers offer their financial investment with strings – lower the risk, raise deductibles, reduce coverages, raise prices. Capital can flow into a company easily and it can flow out just as easily.