Award in Innovation | 2021 Winners

Congratulations to our 2021 winners!

  • Harford Mutual Insurance Group – Overall Winner
  • Mutual of Enumclaw – Best in Category: Impact
  • PURE Insurance – Best in Category: Creativity


Harford Mutual Insurance Group

The National Association of Mutual Insurance Companies presents the 2021 Award in Innovation, sponsored by Guy Carpenter, Harford Mutual Insurance Group headquartered in Bel Air, Maryland. Harford Mutual received the overall award for its innovative initiative to develop current employee leadership skills and attract new talent to the insurance industry.

“We are extremely honored and thrilled to be presented with NAMIC’s 2021 Award in Innovation,” said Steven D. Linkous, president and CEO of Harford Mutual Insurance Group. “The past 15 months challenged us all to capture opportunities through collaboration and innovation even when we were apart, and Harford Mutual Insurance Group came together like never before.”

Since 2013 when Harford Mutual started its Pipeline and Perpetuation initiative, the company has implemented an internship program, enhanced its employee benefits, created a young professional training program and leadership group, and executed a career pathing project. Throughout this time, the company has promoted nine members from its leadership group and employed 29 interns to date, 13 of which were hired full-time upon graduation.

“Our Pipeline and Perpetuation initiative is critical to our short- and long-term success and strategies,” Linkous said. “More importantly, it affirms our commitment to our team by ensuring opportunity for all as an important element of a vibrant, engaged, and empowered organization. We thank NAMIC for recognizing our innovation with this award, a clear reflection of the phenomenal team at Harford Mutual that makes our success a reality.”

In presenting the award to Linkous, Chuck Chamness, NAMIC’s president and CEO, remarked “The property/casualty insurance industry is experiencing an expanding talent gap as skilled professionals exit the workforce, taking their institutional knowledge with them into retirement. Now, more than ever, finding creative ways to attract young professionals while also developing future leaders is vital to ensuring the successful longevity of our industry. The innovative strategy meticulously executed by Harford Mutual to build its employee and leadership base serves as an excellent example of what keeps the mutual insurance industry moving forward.”


Mutual Of Enumclaw Insurance

Instead of using a vendor to purchase an “off-the-shelf” policy administration, MOE built their own system, Nucleus, in-house, allowing them to customize it to their needs and get the most bang for their buck. MOE plans to make Nucleus available to other companies in the Open Source community, making it the first truly open source system available in the insurance industry.


Pure Insurance

PURE leveraged a massive collection of risk data and created Home Spotlight, which allows access to important risk information on homes for sale including historical details on construction permits, prior insurance claims, property-specific risks like flood and wildfire, the history of localized hail events and more. Members can quickly run a report on any residential property with an MLS listing directly from the PURE Insurance app or the PURE Member Portal and get results almost instantly.


Molly DiGiammarino
Sr. Event Marketing & Content Manager