Our Products

Hardy Insurance & Risk Management combines the personal service of a small company with the advantages of a larger one, offering a wide range of insurance products and competitive rates while providing individual attention to every client. We specialize in risk management and we can help you protect your business and its future.

At Hardy, we believe everyone should have good insurance protection, but we also know each organization is different and business or commercial insurance is just one piece of the puzzle.

So we offer a range of products and services to protect your assets and your employees:

  • Risk Transfer Programs
  • Risk Retention
  • Captive Risk Programs
  • Self Insurance
  • Layered Coverage Programs
  • Large Deductible Programs
  • Retrospective Policies
  • Small Deductible Programs
  • Guaranteed Cost

Captive Services

This type of insurance coverage can be complicated, but our specialists are here to walk you through the options and explain the best solutions for your company.


Your business may be building, transporting or managing—no matter what industry you’re in, we have liability, vehicle, risk management, and other policies designed to protect you.

Cyber & Technology

This world changes every day, and you need an insurance company nimble enough to keep up but big enough to meet your needs. We stay on top of current trends and can provide the protection you need for errors and omissions, cyber liability, operational risk, and more.

Executive & Financial

As a leader, you work hard to make your company successful. Let us help you carry the burden by providing protection for your directors and officers, fiduciary liability, compliance coverage, and more.

Mergers & Acquisition

When you’re negotiating a deal, you need partners who understand the issues and will make your best interests a priority. Hardy can help you evaluate and manage potential risks, interface with buyers and sellers, and review purchase and sale agreements. Let us help you meet your objectives.

Personal Indemnity

We can help you take your insurance coverage a step further by providing policies covering defense and settlement expenses, allegations stemming from product breakdowns, and other financial disputes.


You rely on machines to do your work. Rely on Hardy to help you manage the risk.  We can provide customized insurance solutions for your company, including coverage in case of business interruption, liability, machine breakdown, and more.


Reinsurance can help you manage your risk, and we can help you understand the options. From accident and health insurance to engineering and products, we can provide solutions that make sense for your business.

Risk Control & Claims Service

You want as little loss and as few claims as possible. We can work with you to manage these risks, improve efficiency, and protect your business.

Risk Finance

In addition to managing your risk, you have to manage a budget. Our team of experienced professionals can work with you to find solutions, allocate capital, and make smart decisions about credit.

Risk Management Services

The marketplace offers a huge number of risk management options, and the number continues to grow. Our team’s experience in accounting, banking, finance and insurance can help you find the solutions that work best for your company.


These products can be complex, but our team can handle even the most specialized bond situations. Contact us to learn more about how we can help you.

Contact us to start a quote

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